Scary stuff:

> Individuals can freeze and unfreeze their credit for free, which stops others from opening new accounts and borrowing money in your name.

> To prevent someone else from filing returns or receiving your federal tax refund, request an “Identity Protection Pin” from the Internal Revenue Service [...]

This blows my mind. How can these things be allowed without proper authentication?

I assume digital identity à la eIDAS, BankID or Freja is not a thing in the US?