The IRS has broadened its identity verification process for digital services, requiring taxpayers to confirm their details before they can file or review a tax return. The expanded system is meant to block identity theft and other fraudulent filings. However, during the 2024 season alone, nearly two million returns were delayed while the agency confirmed identities.
To use IRS online services, taxpayers must undergo a stricter verification process. This requires creating an account with ID.me and submitting a government-issued ID, their Social Security number (SSN) or individual taxpayer identification number (ITIN), and a live selfie. Artificial intelligence then compares the images to complete the identity verification process. If the system cannot confirm the details, taxpayers may be asked to verify through a live video call or receive postal mail directing them to additional steps.
The requirement now covers more than 30 applications. Taxpayers must complete identity verification before they can manage or file a tax return, set up payment plans, or retrieve past forms. Popular tools, such as Get Transcript Online, Online Payment Agreements, and the Child Tax Credit portal, all require verification. In addition, the IRS Identity Protection PIN, or IP PIN, tool is behind the new system, adding another layer of defense against fraudulent activity. Tax professionals are also required to use verified accounts before submitting authorizations on behalf of clients.
The IRS says the expansion of its identity verification process was driven by a surge in identity theft and refund fraud. Criminals have increasingly exploited stolen data, including the Social Security number (SSN) or individual taxpayer identification number (ITIN), to submit false filings and claim refunds before legitimate taxpayers can. According to oversight reports, the agency has lost billions over the years to fraudulent activity, forcing stronger defenses.
Part of the IRS’s modernization has been the broader rollout of the IP PIN, a six-digit code designed to protect accounts and prevent criminals from filing fake returns. Once activated, an IP PIN must be entered alongside a taxpayer’s return, making it much harder for thieves to impersonate a person. Officials encourage individuals to obtain the PIN early, noting that it also helps the agency quickly notify and validate identities when suspicious forms or filings are flagged during processing.
The agency has defended the expanded verification process, saying it balances stronger security with taxpayer access. In its online guidance, the IRS advises taxpayers to confirm that the locked padlock icon appears in their browser before entering personal details on IRS online portals. The agency says the changes are designed to protect sensitive tax information and reduce delays linked to suspicious filings.
A Government Accountability Office review concluded that while the new identity verification requirements have blocked substantial amounts of fraudulent activity, the IRS relies heavily on ID.me as its sole vendor. The report recommended stronger oversight of artificial intelligence tools and better tracking of system performance to ensure taxpayers can file and manage accounts without unnecessary barriers.
Tax professionals note that the changes add steps for clients who need to file a tax return or submit supporting forms. Some report that delays occur when clients must wait for a verification letter by mail. Others argue that, despite the inconvenience, tighter controls help prevent fraud and boost trust in IRS online services.
During the 2024 season, nearly two million tax returns were held while the IRS confirmed identities. Taxpayers who fail to complete the verification steps risk further delays, as the agency may suspend processing until details can be validated. Officials recommend creating an account early, checking transcripts regularly, and responding quickly if a letter arrives by mail requesting additional proof. Acting before deadlines helps ensure a smoother filing experience.
The IRS urges taxpayers to safeguard sensitive data, such as a Social Security number (SSN) or an individual taxpayer identification number (ITIN). Taxpayers should look for the locked padlock icon before entering personal information on any IRS online page to protect accounts. The agency also advises using strong passwords, enabling multi-factor authentication, and regularly reviewing past filings to detect unusual activity. These steps make it harder for criminals to steal an identity or impersonate a person when trying to file a fraudulent return.
Taxpayers seeking reliable information on the IRS identity verification process can consult official resources. The IRS newsroom provides updates on system changes and filing requirements, while detailed fraud prevention guidance is available at irs.gov/identity-theft-fraud-scams.
Independent oversight comes from the Government Accountability Office’s Taxpayer Identity Verification, which evaluates how the agency manages risks and vendors. For those facing extended delays, refund holds, or trouble with the verification process, the Taxpayer Advocate Service offers help to resolve cases and ensure fair access to IRS online services.
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