The name of VISDSNB (Visa Department Store National Bank) may pop-up in your credit report if you have applied for a credit card through the store line of Federal departmental stores, one such card is Macy's card.
When you set up an account with any of the federal departmental stores, they may also create a parallel visa account along with the original one. Hence, if you're trying to close the account with Macy, make sure that you close both the accounts at the same time. Otherwise, you may keep accumulating debts on the other account.
However, if you're sure that you have no relation whatsoever with Macy or any other Federal Departmental Stores, you have the option to dispute the entry with the Credit Reporting Agencies. Here are the contact details of the three credit bureaus
- Equifax (800-685-1111) (www.equifax.com )
- Experian (888-397-3742) (www.experian.com )
- TransUnion (800-888-4213) (www.transunion.com)
Amongst the three, Equifax also offers the facility to dispute online. You can register your complaint by filling-up the form available in their site.
To dispute with the credit bureaus, you're required to send them a letter requesting them to investigate into the questionable accounts. You should mention your name, address, SSN and the accounts details those you'd like to dispute, in the letter.
After receiving your dispute letter, the CRA will probe into the matter. If they can't establish the account, they'll wipe the item off your report. However, along with the CRAs, you should also send a letter of debt validation to the creditor.