FCBA
The Fair Credit Billing Act (FCBA) governs billing error disputes on credit accounts specifically — a distinct law from the broader FCRA.
FCBA vs. FCRA — Don't Confuse These Two
The FCBA covers disputing a specific billing error on a credit account (like an unauthorized charge). The FCRA covers disputing inaccurate information on your broader credit report. If you're disputing a charge, you likely want the FCBA process. If you're disputing something on your credit report, see our FCRA page.
How to Dispute a Billing Error
Generally, you must notify the creditor in writing within 60 days of the first statement containing the error. The creditor must acknowledge your dispute within 30 days and resolve it within two billing cycles (not to exceed 90 days). Confirm current timelines directly with your creditor or a consumer attorney, since specifics can vary.
This information is for general education only and is not legal advice. Consumer protection laws are complex and change over time. Consult a licensed attorney or the relevant federal agency for advice specific to your situation.