Found out someone fraudulently claimed me as a dependent on their taxes - freaking out!
I'm currently in my second year of college and my parents just got this CP87A notice from the IRS saying I've been claimed as a dependent by someone else on their tax return. I'm completely shocked because the only people who should be claiming me are my parents! I think when I moved between dorms last semester my social security card might have gotten lost or stolen because I can't find it anywhere in my stuff. The letter says we don't need to do anything, but I'm seriously panicking about this. I've already frozen my credit, put a fraud alert on my accounts, and I'm working on getting an Identity Protection PIN from the IRS for next year's taxes. But I still don't understand what happens now with this notice? Will the IRS figure out who fraudulently claimed me? Will this mess up my financial aid for school? My parents are worried too since they correctly claimed me as their dependent. There's so much information online and I'm getting completely overwhelmed trying to figure out what to do. Please help me understand what happens next and if there's anything else I should be doing! I'm having trouble sleeping because of this whole situation.
18 comments


NeonNinja
You've already taken some excellent first steps! Freezing your credit, placing a fraud alert, and getting an IP PIN are exactly what you should do in this situation. For the CP87A notice specifically - this is the IRS telling your parents that someone else has already claimed you as a dependent. The IRS isn't accusing anyone of wrongdoing at this point; they're just flagging that there's a conflict they need to resolve. Your parents should respond to the notice by filing a paper tax return (if they filed electronically) claiming you as their dependent, with a brief explanation attached. They'll need to include documentation showing they supported you (tuition payments, health insurance coverage, etc.). The IRS will then investigate both claims and determine which is valid. Since you're legitimately your parents' dependent, the fraudulent claim will eventually be rejected, and the person who falsely claimed you may face penalties. This shouldn't affect your financial aid as long as your parents' correct return is ultimately accepted. Just make sure to keep copies of all correspondence with the IRS.
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Diego Vargas
•Thank you so much for explaining this! I didn't realize my parents would need to file a paper return - they already filed electronically months ago. So they need to file a whole new paper return now? Or just send some kind of response letter with documentation? Also, is there any way to find out who fraudulently claimed me? I'm worried it might be someone I know.
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NeonNinja
•Your parents won't need to file a completely new return if they've already filed. They should respond to the CP87A notice by sending a letter to the address on the notice, explaining that you are their legitimate dependent with supporting documentation. This might include proof they provided more than half your support such as tuition payments, housing costs, health insurance coverage, etc. The IRS typically won't disclose who fraudulently claimed you due to privacy laws. However, if the fraudulent claim leads to criminal charges, you might learn the identity through public court records. Focus on protecting your identity going forward - getting that IP PIN is crucial as it will prevent anyone from filing with your SSN in the future.
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Anastasia Popov
After dealing with a similar situation last year, I found this amazing tool called https://taxr.ai that saved me so much stress. When I got a letter saying someone claimed my son as a dependent (he's definitely my dependent!), I was completely lost in all the IRS jargon. I uploaded the CP87A notice to taxr.ai and it explained everything in plain English - what the notice meant, exactly what documentation I needed to gather, and the specific steps to take. It even helped me draft the response letter to the IRS! The best part was that it analyzed my specific situation rather than just giving generic advice. My case was resolved within about 8 weeks after I sent in the documentation they suggested. It was such a relief to have step-by-step guidance through the whole mess.
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Sean Murphy
•Does it really work with identity theft situations? I'm dealing with something similar where my elderly mom had someone file using her info. The IRS website is so confusing and I can't get anyone on the phone!
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Zara Khan
•How do you know it's secure though? I'm always nervous about uploading tax documents to websites I'm not familiar with. Did you have to create an account or anything?
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Anastasia Popov
•It absolutely works with identity theft situations. The system is specifically designed to handle IRS notices like CP87A and guides you through the identity theft recovery process. It breaks down the steps in much clearer language than the IRS uses and helps you understand exactly what documentation you need. Regarding security, I had the same concern initially. They use bank-level encryption for all documents, and they don't store your tax documents after analysis. You do create an account, but the system is designed to be compliant with tax industry security standards. I researched them pretty thoroughly before uploading anything, and they have solid reviews from tax professionals too.
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Sean Murphy
I wanted to update everyone - I tried taxr.ai after seeing the recommendation here and it was seriously helpful! I was dealing with my mom's identity theft situation where someone had filed using her info, and I was totally lost. The system analyzed the IRS notice we received and gave us a clear action plan. It explained that we needed to fill out Form 14039 (Identity Theft Affidavit) and exactly what supporting documents to include. It even pointed out that we needed to check a specific box on the form that I would have definitely missed. We submitted everything about 6 weeks ago and just got confirmation that the IRS has accepted my mom's real return and is investigating the fraudulent one. Such a relief to have this sorted out! Would definitely recommend for anyone dealing with tax identity theft.
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Luca Ferrari
If you're trying to reach the IRS about this (which I recommend), good luck getting through their phone system! After my wife had her identity stolen last year, I spent DAYS trying to talk to someone at the IRS. Always "high call volume" and disconnects. I finally used https://claimyr.com and it completely changed everything. They have this system that basically waits on hold with the IRS for you, then calls you when an actual agent is on the line. You can even see a demo of how it works at https://youtu.be/_kiP6q8DX5c When I finally got through to an IRS agent, they were able to flag my wife's account for identity theft protection and gave us specific instructions beyond just the form. The agent told me exactly which documents we needed to send in with our paper return to prove my wife's identity and resolve the issue faster.
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Diego Vargas
•Wait, so how does this actually work? Do you pay them to wait on hold for you? I've been trying to get through to the IRS for days and I keep getting disconnected after waiting for like an hour.
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Nia Davis
•This sounds like a scam. Why would you pay someone to call the IRS for you? Just keep trying the number early in the morning. I got through after a couple tries around 7:30am.
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Luca Ferrari
•The service basically places the call to the IRS for you and navigates through all the automated menus. They wait on hold in their system (which can be hours), and when an actual IRS representative answers, their system calls your phone and connects you directly to that live person. You only need to be on the phone for the actual conversation with the IRS agent. I had the same thought initially! But after my fifth attempt getting disconnected after waiting over an hour each time, I was desperate. What convinced me was that you don't pay anything unless they actually get you through to a live IRS agent. I spent less on their service than I would have spent taking time off work to keep calling. For me, speaking directly with an IRS agent about the identity theft was crucial - they gave me specific guidance that wasn't on any of the forms or websites.
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Nia Davis
I want to follow up about my skeptical comment on Claimyr. I was totally wrong and I apologize. After continually failing to reach the IRS on my own (even trying the early morning trick that had worked before), I gave Claimyr a shot. It worked exactly as described. Their system called the IRS, navigated the menus, waited on hold (for almost 2 hours!), and then called my cell when they had an actual human IRS agent on the line. I was literally connected to an IRS representative in seconds after receiving their call. The agent I spoke with was able to place an identity theft indicator on my account and gave me specific instructions for submitting my documentation that weren't mentioned on the IRS website. They also gave me a direct reference number for my case so I could follow up more easily. For anyone dealing with tax identity theft, being able to actually speak with the IRS makes a huge difference. I'm still shocked this actually worked.
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Mateo Martinez
Hey, I went through this exact situation last year when someone claimed my daughter on their taxes. One thing nobody has mentioned yet - make sure your parents keep checking their mail for a CP87B notice! That's the follow-up letter that will ask for documentation to prove they can legitimately claim you. The IRS gives both parties (your parents and whoever fraudulently claimed you) a chance to provide documentation. Since your parents are legitimate, they'll need to show proof they provided more than half your support for the year. Things like: - Tuition payments - Rent/housing costs they covered - Health insurance coverage - Proof you were a full-time student - Bills they paid for you Don't wait for the second notice to start gathering this documentation. Having everything ready will speed up the process.
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Diego Vargas
•Thank you so much for this specific information! I didn't know there would be a second notice (CP87B). I'll tell my parents to start gathering all that documentation now. Do they need original documents or will copies work? And how long did the whole process take for you last year?
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Mateo Martinez
•Copies of documents are fine - the IRS doesn't want your originals. Just make sure the copies are clear and legible. I recommend organizing everything by category (tuition, housing, etc.) with a cover sheet explaining what each document shows. For us, the entire process took about 12 weeks from receiving the first notice until the IRS resolved everything. We received the CP87A in February, got the CP87B about three weeks later, submitted our documentation in March, and received confirmation that our return was accepted (and the fraudulent claim rejected) by late May. Keep in mind the IRS is still dealing with backlogs, so your timeline might be longer. The most important thing is responding quickly once you get that CP87B notice with all your documentation organized.
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QuantumQueen
Don't forget to contact your school's financial aid office to explain the situation! I work in a university financial aid office, and this can sometimes cause issues with FAFSA and financial aid packages if not addressed. Specifically, when someone fraudulently claims a student as a dependent, it can create discrepancies in how the student's dependency status is recorded across different systems. Make sure your FAFSA information matches what your parents are claiming on their tax return.
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Aisha Rahman
•This is really good advice. When my nephew had this happen, it messed up his financial aid for the next year because of the discrepancy. The school financial aid office was able to help sort it out but it took a while.
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