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Maybe it's time to move on from using SSNs for security? We have someting similar in Sweden - "person numbers". If I call the tax authority and ask for someone's "person number" they will tell me. They're not secret in any way, and thus not used as some form of authentication either.
But how exactly does it work when applying for something like a credit card or going to a doctors office and filling out a form? Because here in the US those ask for SSN
Nordics have resolved this by having the strong digital authentication. Services like banks and tele operators work as identity providers for individuals/companies.either through mobile network or app on your phone, and these is a central service that links these together.
This way third parties can safely identify you, and also it follows same OpenID/OAuth2.0/MFA principles, which are industry standards.
Having experienced both systems the Nordic ones are well thought out, streamlined and feel extremely secure.
The US system feels so absurdly predatory and intentionally insecure. It's often slower, non-standardized, and glitchy(e.g. student loan stuff).
In general, fraud is much easier in the US which is is by design as stated elsewhere in the thread.