So I went through the process up to the verification. They use one of the outsourced companies who asks three questions about your past history that are part of the public record (i.e., your credit report). The verification has nothing to do with your name, birthdate, or address. It has to do with how you answer those three questions. Apparently the outsourced verification process didn't like one (or more) of the three answers. Can't explain which one, and I'd bet a great deal of money that UPS can't tell you which one was the trigger, either.