Overview

An IRS identity verification request is a formal step the IRS takes when automated systems flag a tax return or taxpayer account for potential fraud or mismatch. These requests are designed to stop fraudulent refunds and protect taxpayers. In my practice working with clients who face identity-related tax issues, I’ve seen prompt, documented responses close cases faster and prevent additional unauthorized filings.

This guide explains how the process works, how to confirm a request’s authenticity, what to prepare, step-by-step response options, and what to do if you suspect identity theft. It also links to trusted IRS and federal resources and related FinHelp articles for deeper recovery actions.

Why did I get a verification request?

The IRS may send an identity verification request when:

  • Your Social Security number or personal details appear on multiple returns.
  • A return includes income or credits that differ substantially from past filings.
  • IRS systems detect suspicious activity tied to your name or SSN.

These checks are routine fraud-prevention measures. They do not automatically mean something malicious occurred, but they require attention to avoid refund delays or incorrect account actions. (Source: IRS Identity Theft resources: https://www.irs.gov/identity-theft-fraud-scams)

How the IRS identity verification process works

  1. Detection: Automated filters or manual review flag a return or account.
  2. Notice: The IRS mails a verification notice (a letter or documentation request) with next steps and a deadline. Follow the instructions on that specific notice.
  3. Verification: You authenticate your identity — online through an IRS portal (when available), by mail, or by phone as directed in the notice.
  4. Resolution: Once your identity is verified, the IRS processes the return or closes the hold. If fraud is found, the IRS will open an identity-theft case and advise next steps.

The IRS provides detailed guidance on identity verification and fraud prevention on its site; follow the official page rather than contact details or links from unknown messages. (IRS: https://www.irs.gov/identity-theft-fraud-scams)

How to confirm the notice is legitimate

Scammers often mimic government letters. Before sharing personal data, verify the notice by:

  • Comparing the letter to current examples on IRS.gov and checking the letter number and content.
  • Going directly to IRS.gov (do not click links in emails or texts). Use the site’s search for “identity verification” or visit the Identity Theft page.
  • Calling the IRS using numbers listed on IRS.gov if the notice doesn’t contain a secure online verification option. Do not trust phone numbers in suspicious emails or web pages.

The IRS does not initiate contact by text message, social media, or email to request personal or financial information. (See IRS guidance: https://www.irs.gov/newsroom/tax-scams-consumer-alerts)

Documents and information to gather

Prepare copies (not originals unless requested) of these commonly requested documents:

  • A government photo ID (driver’s license or passport).
  • Social Security card or a document with your full SSN.
  • A copy of the tax return the IRS questioned, plus last year’s return for comparison.
  • W-2s, 1099s, or other income statements supporting the return.
  • If you suspect identity theft, Form 14039 (Identity Theft Affidavit) and documentation proving identity theft (police report, FTC IdentityTheft.gov report).

Note: The IRS sometimes asks for additional supporting records. Only provide what the IRS notice requests and keep copies of everything you send.

Step-by-step: How to respond safely

  1. Read the notice carefully: Note deadlines and whether an online option is available.
  2. Verify authenticity: Confirm via IRS.gov and do not click links in the letter unless they lead to irs.gov.
  3. Use official channels: If the notice offers the IRS’s Identity Verification Service or other secure online method, use that. Otherwise, respond by mail to the address on the original notice or call the official IRS number found on IRS.gov.
  4. Provide only requested documents: Include a cover letter summarizing what you are sending and reference the notice ID or letter number.
  5. Keep records: Save copies of the documents you submit, and track any certified mail or delivery receipts.
  6. Follow up: If you don’t hear back in a reasonable time frame (usually indicated on the notice), follow up through verified IRS contact channels.

In my experience, sending a clear cover letter, concise document list, and copies (not originals) reduces back-and-forth and speeds resolution.

If you suspect identity theft

If the verification request is because someone filed a return using your SSN, take these steps:

Expect the IRS identity-theft case to take weeks to several months in complex fraud scenarios. Keep copies and correspondence to help the IRS and other agencies speed recovery.

Common mistakes to avoid

  • Ignoring the notice: Non-response can delay refunds, freeze accounts, or lead to other administrative actions.
  • Responding without verifying: Sending documents to a scammer compounds the problem.
  • Over-sharing: Provide only what the IRS requests. Never provide bank or login credentials in response to a letter.
  • Using phone numbers from suspicious emails: Always use IRS.gov to find contact information.

Many clients I advise initially panic and either ignore or overshare. A calm, documented approach works best.

Timeline and expected outcomes

  • Immediate verification requests typically halt refund processing until verified.
  • For simple identity verifications, resolution can take a few weeks after receipt of documents.
  • If the IRS opens an identity-theft investigation, resolution may take longer; the IRS will notify you of the outcome and next steps.

Keep in mind processing times can vary by season and the complexity of the issue.

Frequently asked questions

Q: Will responding by mail delay my refund more than online verification?
A: If the IRS offers a secure online verification option, using it can speed resolution. Mail responses are standard and safe when online options aren’t available. Use tracked mail and retain receipts.

Q: Can the IRS charge penalties if identity theft caused errors on my return?
A: If identity theft led to errors or duplicate filing, the IRS generally works with victims to correct taxes and remove unjust penalties, provided you cooperate and supply requested documentation. Keep records and work with a tax professional if needed. (See IRS identity-theft resources)

Q: How long does the IRS keep me updated?
A: The IRS will send letters or updates through the U.S. mail. Some cases include a case or reference number you can use when speaking to the IRS.

Related FinHelp resources

These pages provide step-by-step recovery paths and templates that many readers find helpful when dealing with verification holds.

Practical tips from practice

  • Photograph or scan every page you send. Digital copies speed follow-up and help tax professionals assist you remotely.
  • Use certified or tracked mail and keep delivery confirmation. This provides proof of timely response.
  • Get professional help for complex cases. I often recommend tax professionals who work with identity-theft cases to manage communications with the IRS and keep documentation organized.

Professional disclaimer

This article is educational and based on general IRS procedures and my professional experience. It is not personalized tax advice. For advice specific to your situation, consult a qualified tax professional or contact the IRS directly. Official IRS guidance on identity theft and verification is available at https://www.irs.gov/identity-theft-fraud-scams and IdentityTheft.gov (FTC).

Authoritative sources

If you need a checklist or a sample cover letter to send with your documents, consult the related FinHelp pages above or contact a tax professional experienced with IRS identity-theft cases.