There are thousands of AT&T and Verizon accounts for sale online with PIN, SSN, DoB, email address, email password, etc. Some of them are paired with known bank account login information, credit report, etc. They're less than 300 USD.. Once you have the phone and information you can either use fake ID + SSN + phone to use established credit line at a retailer or if you have banking information perform a wire transfer. It's rampant.