Hmmm . . . you need to check the locking wedge under the barrel. The two allen screws should be tight, but not over-torqued. If loose, the barrel could indeed have shifted.
For an expert opinion, I'd say check with the guys on RimfireCentral.com - they live and breath Ruger 10-22's.
BigMike or Chief Dave can give you some very good advice.
Off-hand this sounds like something that can be resolved without shipping the gun out. Tell 'em Bigdog sent you.