You can choose to verify your identity in a variety of ways. If you choose to verify your identity by answering questions about your personal and financial history, it enables ID.me to verify that you are you, and not someone pretending to be you.
The questions are created using information that only you should know, such as your transaction history and credit information. The answers to these questions are most likely known only by you, making it difficult for anyone else to access to your benefits and services.