I have heard that this is a widespread problem. It took us more than an hour to work through it.
And I anticipate that this is the kind of hoop that el-cheato's SAVE act will require of voters....
We just tried to e-file our Federal tax returns.
But we needed our ID PIN from the IRS - which changes every year.
The IRS is supposed to send a letter each January to each taxpayer who has opted into the ID PIN system. The letter contains that years PIN number.
We never got that number.
So our e-file was rejected.
We had to go the IRS website - deal with our id.me credentials - and fetch the proper PIN value.
Part of this involved establishing a second id.me account - which requires a smart phone (or computer with scanner), a lot of text messages, biometric scans, and other stuff that would drive many people to run away screaming.