The point of me starting the thread was that I DO NOT see ANY reason that credit reporting agencies CAN or SHOULD be used to VERIFY identity ...
If you have a credit card, did you have to show your birth certificate to the credit card issuer or the credit reporting agencies to when you applied for said card ??? NO !!!
Have to show your Driver's License ??? NO !!!
Have to show a utility bill ??? NO !!!
So HOW do the credit card issuer and the credit reporting agencies KNOW who you REALLY are ???
The answer is that they don't ...
So, WHY does Obamacare use them in the verification process at all ???
Not disagreeing with you, just pointing out that it is a technique used by more than just Obamacare.