How can I set up a test, Stripe connect account on the backend and skip onboarding?

When I try to set up a test, Stripe connect account on the backend and skip onboarding, I run into address and identity verification issues. How can I resolve these?

Background: for testing backend features other than Stripe onboarding, it would be helpful to set up a test Stripe connect account that has completed onboarding. There are other answers here indicating that there is no one-call process to complete that, but it's not clear exactly what the steps are.

Below I try to complete this in 3 steps; but I am running into an issue: the address is unverified even though I'm using the address 'token' that the documentation says will automatically verify.

My steps:

1. Create an account token
2. Create a bank_account token
3. Create an account, using those tokens

Result: when I check the account after a few seconds (I wait 10 seconds for verification) I get:

account.payouts_enabled:  true
account.charges_enabled:  true
account.currently_due:  [
  "individual.address.line1"
]
account.past_due:  []
account.eventually_due:  []
account.disabled_reason:  requirements.pending_verification
account.pending_verification:  [
  'individual.address.city',
  'individual.address.line1',
  'individual.address.postal_code',
  'individual.address.state',
  'individual.id_number'
]

The problem: why is the address line marked "currently_due" (when I'm using the documented token "address_full_match​") and address verification incomplete? Additionally, why is the individual.id_number pending verification (when I'm using the documented token "222222222")?

Code below, using the Stripe Node API:

    const accountToken = await stripe.tokens.create({
      account: {
        business_type: 'individual',
        
        individual: {
          first_name: 'Jenny',
          last_name: 'Rosen',

          // https://stripe.com/docs/connect/testing
          // Use these addresses for line1 to trigger certain verification conditions. You must pass in legitimate values for the city, state, and postal_code arguments.
          // address_full_match​       Successful verification.
          // address_no_match         Unsuccessful verification.
          address: {
            line1:  'address_full_match​',
            city: 'Columbus',
            state: 'OH',
            postal_code: '43214',
            // country: 'US'
          },

          // https://stripe.com/docs/connect/testing#test-dobs
          // 1901-01-01 Successful verification. Any other DOB results in unsuccessful verification.
          // 1902-01-01 Successful, immediate verification. The verification result is returned directly in the response, not as part of a webhook event.
          // 1900-01-01 This DOB will trigger an Office of Foreign Assets Control (OFAC) alert.
          dob: {
            day: 1,
            month: 1,
            year: 1902
          },

          // https://stripe.com/docs/connect/testing
          // Use these personal ID numbers for individual[id_number] or the id_number attribute on the Person object to trigger certain verification conditions.
          // 000000000  Successful verification. 0000 also works for SSN last 4 verification.
          // 111111111  Unsuccessful verification (identity mismatch).
          // 222222222  Successful, immediate verification. The verification result is returned directly in the response, not as part of a webhook event.
          id_number: '222222222',
          // ssn_last_4: '0000',
          email: 'jenny.rosen@example.com',
          phone: '000 000 0000'
        },
        tos_shown_and_accepted: true,
      },
    });

    const bankAccountToken = await stripe.tokens.create({
      bank_account: {
        country: 'US',
        currency: 'usd',
        account_holder_name: 'Jenny Rosen',
        account_holder_type: 'individual',
        routing_number: '110000000',
        account_number: '000123456789',
      },
    });

    const account = await stripe.accounts.create({
      type: 'custom',
      country: 'US',
      business_profile: {
        mcc: '5734',  // Merchant Category Code. 5734 = Computer Software Stores
        product_description: 'Cool Beans, Inc',
      },
      external_account: bankAccountToken.id,
      capabilities: {
        card_payments: {
          requested: true,
        },
        transfers: {
          requested: true,
        },
      },
      account_token: accountToken.id,

    });