It already is the function of a credit bureau, and they're not doing a very good job. AT&T required me to go to a retail store with government-issued ID and pr

It already is the function of a credit bureau, and they're not doing a very good job. AT&T required me to go to a retail store with government-issued ID and provide the last 4 digits of my SSN. I then had to answer some questions that were clearly provided by a credit bureau; all of them were some version of "which of these 5 addresses have you lived at before?" This was concerning because I'd think that for most people, with a bit of digging, it's not that hard to get a list of previous addresses. But sim swapping should probably be at least as difficult as obtaining a replacement passport or drivers license.