db link is not working.

I have created the db link from Oracle 19c(linux) to SQL server 2019. After configuration I am getting this error:

ORA-01017: invalid username/password; logon denied
ORA-02063: preceding line from GDC_CAB_SQLSRVR
01017. 00000 - "invalid username/password; logon denied"
*Cause:*Action:
Error at Line: 3 Column: 26

I have checked the username and password are correct. Checked with our IT team, no firewall between these two servers.
I also checked the listener. ora, tnsnames.ora and odbc.ini files are configured correctly.
What would be the issue?

this is the command I used to create the db link.
CREATE PUBLIC DATABASE LINK GDC_CAB_SQLSRVR.xyz.COM CONNECT TO GDC_DIST IDENTIFIED BY "password" USING 'GDC_CAB_SQLSRVR';