[trounce]

Visa and MasterCard don't issue credit cards, don't provide credit, don't have your personal information, and don't provide personal information to credit agencies. They are just the network that connects card issuing banks and merchant acquiring banks to process payments.

Your contract is with your card issuer, who provided your personal information to the credit agencies. But you probably agreed not to sue them as part of your agreement when you asked them to issue you a card.