They used to do it with no questions asked almost instantly over Live Chat by asking some simple verification questions that are account related. Not sure how easy it is to still do it over the phone, but I reckon it isn't that hard as long as your excuse is feasible.
I did it on the UK live chat no so long ago... I said that when I originally signed up I was wary about giving real details due to being worried about fraud. I just made out like I was a total technology dunderhead, they didn't give me any troubles at all.
I just need to call to change the birthday year from 1965 to 1955...simple change and more of an accident. The account is ALL real info... not stealth...
I mean I was able to sell like over 40 transactions with HIGH values of over $1000 each and I am now out of the 21 day payment holds... so should I be worried about it?
My account went from 5k to the $6500 limit.. and have all positive FB