That's easy enough. You're right - you do need a valid name/SSN/birthdate. It doesn't have to be yours. And if a company wants to be disreputable, all they nee

That's easy enough. You're right - you do need a valid name/SSN/birthdate. It doesn't have to be yours. And if a company wants to be disreputable, all they need to do is keep running them until they hit jackpot. Because then they can claim that the other people were, uhhh, fraudulent. And this person passed their Everify. It's not like there's any proof that the Everify was run 10 times prior, to find a good name/ssn/DoB.