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Tax Tips If You Have Had Your Identity Stolen

Written by a TurboTax Expert • Reviewed by a TurboTax CPA

Updated for Tax Year 2024 • October 17, 2024 3:51 PM

OVERVIEW

According to the U.S. Department of Justice, millions of Americans fall victim to identity theft each year. When it comes to taxes, the identity thief targets refunds from fraudulent tax returns filed with your personal information. You may remain unaware of such activity until you file and find another return has already been processed.

TABLE OF CONTENTS

How can you tell your tax account is affected?
Protecting your tax file if identity theft is suspected
Other steps to take when identity theft occurs

Key Takeaways

Recognize signs of identity theft by watching for IRS notices about duplicate returns or unexpected tax balances.
If you get an IRS notice about suspicious activity, respond right away and fill out Form 14039, the IdentityTheft Affidavit.
You can support your IdentityTheft Affidavit by providing clear photocopies of documents like your passport or driver's license.
Report identity theft to other agencies through identitytheft.gov or by contacting the Federal Trade Commission to limit further fraud.

How can you tell your tax account is affected?

Typically, most victims are unaware that their information has been taken, so, in the case of income tax fraud, your first indication of trouble may be a notice of irregularity from the Internal Revenue Service. Such irregularities could include:

More than one return has been filed in your name.
Your account shows a balance due, refund offset or collections action for a year you were not required to file a return.
IRS records indicate income from an employer you've never worked for.
Information filed with the IRS shows more income than you actually earned.
You had state or federal benefits canceled or reduced due to an income change report that you didn't make.

Protecting your tax file if identity theft is suspected

When you receive a notice from the IRS regarding activity about which you are unaware, respond immediately. Then, fill out Form 14039, the Identity Theft Affidavit, which informs the IRS of your experience with identity theft.

Form 14039 also is used in cases where an event occurs that may make you vulnerable to identity theft, such as a lost or stolen wallet, or other misuse of personal information that may allow a thief to file a return in your name. Support your identity theft affidavit with clear photocopies of one or more of the following personal identification documents:

passport
driver's license
Social Security card
any other valid U.S. federal or state-issued ID

You can also contact the IRS Identity Protection Specialized Unit by phone if you have reason to suspect you may be vulnerable to an identity attack.

TurboTax Tip:
Protect yourself from identity theft by safeguarding your Social Security number, checking your credit report regularly, and securing your personal electronics.

Other steps to take when identity theft occurs

Your Social Security number is usually the key piece of information used by thieves, so notifying other agencies of the theft or potential theft of your SSN may limit your exposure to fraudulent action using your information. You can report identity theft through the www.identitytheft.gov website or by contacting the Federal Trade Commission by phone at 1-877-438-4338.

The website provides detailed information about identity theft and its prevention, as well as offering tips and guidance to defend against identity theft. Strategies are organized by action level, from immediate reporting to extended steps for reporting and repairing damage to your name and credit history.

Protect yourself from identity theft. If you have not been the victim of identity theft, there are steps you can take to minimize your exposure, reducing your chances of ever experiencing problems:

Be careful about sharing your Social Security number. Treat it as privileged and confidential information. Don't give a business your SSN unless there is a legitimate reason to.
Don't regularly carry your Social Security card or other documents that include it in your wallet or purse; secure these documents in your home.
Check your credit report periodically to scan for irregular activity, protect personal computers and other personal electronics with firewalls and security updates, and change passwords regularly.
Do not give SSN or other personal information out over the phone, unless you initiate or expect the call, from a reliable business or contact.

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Identity Theft: What to Do if Someone Has Already Filed Taxes Using Your Social Security Number Guide to IRS Form 14039: Identity Theft Affidavit Tax Time Scams You Should Avoid Keeping Yourself Safe From Tax Scams Today Top 10 Tax Scams

More in Security

What Is Stolen Identity Refund Fraud?Identity Theft: What to Do if Someone Has Already Filed Taxes Using Your Social Security Number Top 10 Tax Scams Guide to IRS Form 14039: Identity Theft Affidavit Tax Time Scams You Should Avoid

The above article is intended to provide generalized financial information designed to educate a broad segment of the public; it does not give personalized tax, investment, legal, or other business and professional advice. Before taking any action, you should always seek the assistance of a professional who knows your particular situation for advice on taxes, your investments, the law, or any other business and professional matters that affect you and/or your business.

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TurboTax Desktop Business Returns:

100% Accurate Calculations Guarantee - Business Returns: If you pay an IRS or state penalty or interest because of a TurboTax calculation error, we'll pay you the penalty and interest. Excludes payment plans. You are responsible for paying any additional tax liability you may owe. Additional terms and limitations apply. See License Agreement for details.
Maximum Tax Savings Guarantee - Business Returns: If you get a smaller tax due (or larger business tax refund) from another tax preparation method using the same data, TurboTax will refund the applicable TurboTax Desktop Business license purchase price you paid. Additional terms and limitations apply. See License Agreement for details.
Satisfaction Guarantee/ 60-Day Money Back Guarantee: If you're not completely satisfied with TurboTax Desktop, go to refundrequest.intuit.com within 60 days of purchase and follow the process listed to submit a refund request. You must return this product using your license code or order number and dated receipt. Desktop add-on products and services purchased are non-refundable.

TURBOTAX DESKTOP DISCLAIMERS

Installation Requirements: Product download, installation and activation requires an Intuit Account and internet connection. Product limited to one account per license code. You must accept the TurboTax License Agreement to use this product. Not for use by paid preparers.
TurboTax Desktop Products: Price includes tax preparation and printing of federal tax returns and free federal e-file of up to 5 federal tax returns. Additional fees may apply for e-filing state returns. E-file fees may not apply in certain states, check here for details. Savings and price comparison based on anticipated price increase. Software updates and optional online features require internet connection. Desktop add-on products and services purchased are non-refundable.
Fastest Refund Possible: Get your tax refund from the IRS as fast as possible by e-filing and choosing to receive your refund by direct deposit. Tax refund time frames will vary. The IRS issues more than 9 out of 10 refunds in less than 21 days.
Average Refund Amount: $3,207 is the average refund amount American taxpayers received in the 2024 filing season based upon IRS data as of February 16, 2024 and may not reflect actual refund amount received.
TurboTax Technical Support: Customer service and technical support hours and options vary by time of year.
Deduct From Your Federal or State Refund: Individual taxes only. Subject to eligibility requirements. Additional terms apply. A $40 Refund Processing Service fee applies to this payment. method. Prices are subject to change without notice.
Data Import: Imports financial data from participating companies; Requires Intuit Account. Quicken and QuickBooks import not available with TurboTax installed on a Mac. Imports from Quicken (2022 and higher) and QuickBooks Desktop (2023 and higher); both Windows only. Quicken import not available for TurboTax Desktop Business. Quicken products provided by Quicken Inc., Quicken import subject to change.
Live Tax Advice: Access to tax experts to obtain answers to tax questions and to assist with tax year 2024 return(s) prepared with TurboTax Desktop software. Additional fees may apply. Must be purchased and used by October 31, 2025. Excludes TurboTax Desktop Business. See License Agreement for details.
Audit Defense: Audit Defense is a third-party add-on service provided, for a fee, by TaxResources, Inc., dba Tax Audit. See Membership Agreements at https://turbotax.intuit.com/corp/softwarelicense/ for service terms and conditions.

All features, services, support, prices, offers, terms and conditions are subject to change without notice.

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