Now most people's response to that kind of threat is to think "I'm just nobody important, no one would ever go to the trouble of using this information to impersonate me or otherwise make my life difficult." Probably you are underestimating one or more of: (a) your importance, meaning how much money someone stands to gain by impersonating you, (b) the gullibility/apathy of customer service reps at the companies you interact with, or possibly (c) the amount of free time and/or perversity of someone who will fuck with you just for the lulz.