[DennisP]

For this to be a problem someone would have to lose their 2FA device, and their backup codes, and change their billing address but not the address on their ID. If all that does happen, they can solve it by updating their ID, which most states require within 30 days of moving anyway.

[greenleafjacob]

California drivers licenses are not reissued when you update your address [1].

> A new driver license, identification card or registration card is not issued when changing your address.

[1] https://www.dmv.ca.gov/portal/dmv/detail/online/coa/welcome

[sofaofthedamned]

Which is the correct answer, thank you. It does need to be painful otherwise it has no value. but it needs to be fair, for example I moved home a year ago with my now wife. Hireright needed utility bills in my name, but she pays them and I pay the mortgage. This caused a lot of stress. I swear a load of these gatekeepers have never tested or thought about this process.

[zodiac]

Or they could have used a billing address different from where they live to start with.

[steventhedev]

True.

I'd argue that trumps all other control over the account. If you can show that you control the payment method, then I'll accept you as the legitimate controller of the account. So, notarized, translated, and apostilled letter from the bank branch manager stating that you are the person in control of the account, sent by certified mail with signature delivery and I'll send you back a link to type in manually the same way.

As a shortcut, I'd say it's mostly safe to accept a picture of someone's face holding up their photo ID with the same billing address.

Or confirming the amount and/or origin (some banks/credit systems do not display the merchant name for some halfbrained reason) of a small transaction (e.g. 1.37 USD from merchant account ACMECORP-294817) that is refunded after a week.