&gt;TL;DR; If you rely on this to &#x27;identify&#x27; someone, you are doing it wrong.<p>Which is why the system is set up so that if I go to the bank with this information and take money as you, I have stolen your identity and thus you are the victim and are responsible for the losses unless you fight back.  Identity theft was created so financial institutions could be lax with their verification process thanks to the blame being shifted.<p>In reality, identify theft doesn&#x27;t exist.  In my example I stole from the bank, no you, and you shouldn&#x27;t at all be involved in the process.