Incorrect balances can be disputed online at all three CRA's.
However, even if your true balances are 14%, your CR may never reflect this if you are paying from your statement. Most companies report your balances as of statement ending date, even though you have 2 to 3 weeks to pay from that statement.
So, as an example, if you receive a statement with a $1000 balance and PIF, you will still have $1000 balance reported because it was the statement ending balance. In order to avoid this, you have to determine when your statement cuts and PIF or pay down prior to statement ending so that the payment you make reflects on that statement and is reported as the balance.
