complaint I filed with Walmart and the FTC: " I wish Walmart would look into Certegy's check verification service. On 11/20/2014 I attempted to cash a payroll check from Rice University in the amount ot $271.25 at Laporte Texas store # 5116. I was instructed to input my SSN into a data input device. I was then informed that due to Certegy reason code 2, that they were unable to cash my check. I assumed that reason code 2 was an indication that something in my credit history prevented me from cashing the check. On the print out I was informed that under the FCRA I had a right to know what was in my check transactions file at Certegy . When I called the 800 number for Certegy I was told that I was unable to cash the check due to "analytical models" and " risk factors" related to the check itself ( and apparently not due to my credit history/report) and that the transaction had been declined for that reason. I suspect that Certegy may possibly have given me in- correct information since the decision was made after I provided my SSN AND I was given a written printout that I had a right what was in my check transactions file. If in fact the transaction was denied due to a SSN-based credit check, then I believe Certegy had a duty to inform me of that to give me a chance to correct any possibly inaccurate information in my credit report. If Certegy based their determination not to cash the check solely on a SSN-based credit check then I do not think this was proper, since the determination should have been based only on whether or not the check was valid, and not on the credit-worthiness of the check presenter Details of transaction: 11/20/2014 Store 5116 OP# [protected] TE# 93 TR# 09989