Hi Phil,
So sorry to hear of you wifes passing, a terrible life event to be going through.
Hope you have the family around you to help you through.
The account thing, never had to do this myself, but the Equifax thing got me intrigued, here Aussies never seem to know their credit rating / history on record, like some countries such as the USA.
So I went and did the login thing, 3 documents, it was a pain getting passport out of the safe, but apart from that had my credit report in about 5 minutes.
If you have a drivers license, passport, and medicare card, maybe give it a go.
Hopefully an AGL rep can come along and maybe work with you to bypass this if possible, or work out another way if the credit report thing is too difficult.