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Kiara Fisherman

Getting IND-031-04 error - AGI or Self-select PIN from last year doesn't match IRS records?

I'm about to pull my hair out trying to file my taxes. I've been using FreeTaxUSA for the past three years, and this year it keeps rejecting my return with this stupid error message: "IND-031-04 - The primary taxpayer's AGI or Self-select PIN from last year does not match IRS records." I KNOW I'm putting in the correct AGI from last year's return. I have the PDF right in front of me showing exactly what my AGI was ($47,250), and I've triple-checked the number. But no matter what I do, the system keeps rejecting it. I even tried using the Self-select PIN option instead, but that's getting rejected too. I called FreeTaxUSA support and they just told me it's an IRS issue and they can't help. I checked the IRS website and tried to access my transcript for 2023 to verify the AGI they have on file, but when I click on the transcript link, the page just times out. The IRS phone lines are a complete joke - I've been on hold for hours with no answer. Has anyone else dealt with this error? Any suggestions on how to fix it? The filing deadline is getting closer and I'm getting really stressed about this!

Liam Cortez

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This is actually a pretty common issue this year - you're definitely not alone! When the IRS validation system checks your AGI from last year, it's looking at what they processed, not necessarily what you filed. If you filed an amended return last year, the system might be looking for your original AGI, not the amended one. Also, if your return was processed late or had any adjustments, the AGI in the IRS system might differ from what's on your return. Try these steps: First, enter $0 as your prior year AGI. This sometimes works if you're a first-time filer or if there were issues processing your previous return. Second, try requesting an Identity Protection PIN (IP PIN) from the IRS website - this can sometimes bypass the AGI verification. Third, if neither works, you might need to print and mail your return. The IRS website has been having a lot of technical issues with the transcript system lately, so that's likely why you're timing out.

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Savannah Vin

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Thanks for your help! Quick question - if I do end up having to mail in my return, will that delay my refund a lot? Also, is using the $0 AGI method something that's officially supported by the IRS, or more of a workaround?

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Liam Cortez

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Mailing in your return will definitely delay your refund - paper returns are currently taking about 6-8 weeks to process compared to 21 days or less for e-filed returns. The $0 AGI method is actually an official IRS alternative for people who can't e-file because of AGI matching issues. It's mentioned in their documentation specifically for situations like yours where the records don't match or you can't access last year's information.

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Mason Stone

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I went through this exact same nightmare last month! After trying everything, I found this tool called taxr.ai (https://taxr.ai) that saved me a ton of headache. It analyzed my tax documents and confirmed that my AGI was actually different than what I thought. Turns out when my return was processed last year, the IRS made an adjustment that changed my AGI by about $320 due to a calculation error with some investment income. No wonder the verification kept failing - I was using the wrong number! The tool showed me exactly what was in the IRS system and helped me figure out what number to use. Their document analyzer also caught a couple other potential issues that might have caused problems down the road. Seriously worth checking out if you're stuck with verification issues.

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How exactly does this tool work? Can it actually access your IRS records directly or does it just analyze the forms you upload? I'm hesitant to give my tax docs to random websites.

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I'm a bit skeptical. If you couldn't get into the IRS transcript system yourself, how would this service be able to tell you what AGI the IRS has on file? Sounds too good to be true.

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Mason Stone

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The tool doesn't access your IRS records directly - you upload your previous tax returns and any IRS notices you've received, and their AI analyzes the documents to identify discrepancies. It helped me spot that my Form 1099-INT had been reported differently than what I filed, which caused the AGI mismatch. It's not magic - it just does a really thorough job analyzing tax documents and finding inconsistencies that are easy to miss. The system is secure and they don't store your documents after analysis. They also pointed me to the exact IRS forms I needed to resolve the issue.

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I was super skeptical about taxr.ai when I first read about it here, but I was desperate after getting the IND-031-04 error like five times. I decided to give it a try, and wow, it actually worked! Turns out I completely forgot that I had received an adjustment letter from the IRS last August that I had filed away without really reading (my bad). The tool prompted me to look for IRS notices and when I uploaded the letter, it immediately identified that the IRS had adjusted my student loan interest deduction, which changed my AGI by $750. Once I used the corrected AGI number, my return went through immediately. Would have saved myself a week of frustration if I'd tried this first. The document analyzer also flagged a potential issue with how I was reporting my side gig income that could have triggered a review.

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Emma Olsen

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After dealing with this AGI rejection issue for days, I realized I needed to talk to an actual IRS agent to fix it. But we all know how impossible that is - I spent 3 hours on hold before giving up. Then I found this service called Claimyr (https://claimyr.com) - they have this system that gets you through to an IRS agent much faster than waiting on hold yourself. You can see how it works in this video: https://youtu.be/_kiP6q8DX5c I was skeptical but desperate. They got me connected to an IRS rep in about 25 minutes instead of the hours I was spending on hold. The agent confirmed there was a discrepancy with my AGI from last year due to an adjustment they made, and told me exactly what number to use. Problem solved in one phone call.

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Lucas Lindsey

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How does this actually work? Do they just call and wait on hold for you? What's the catch?

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Sophie Duck

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Sounds like a scam. There's no way to "skip the line" with the IRS. Everyone has to wait their turn, and if there was some magical way to get through faster, the IRS would shut it down.

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Emma Olsen

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They use a system that navigates the IRS phone tree and waits on hold for you. When they reach an agent, you get a call to connect with them. No line-skipping magic - they're just doing the waiting part for you so you don't have to listen to the hold music for hours. There's no catch with how it works - they're just a time-saving service. I was able to keep working while they waited on hold instead of being stuck with my phone. The agent I spoke with was definitely a real IRS employee who had access to my tax records and resolved my issue.

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Sophie Duck

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I can't believe I'm saying this, but I tried Claimyr after posting my skeptical comment, and it actually works. I was 100% sure it was going to be a ripoff, but I was desperate after my fifth rejection with that IND-031-04 error. The service called the IRS, navigated the menu, waited on hold (about 45 minutes in my case), and then called me when they had an agent on the line. The IRS agent confirmed that they had adjusted my return last year due to a math error with my education credits, which changed my AGI by $1,200. Once I knew the correct AGI to enter, my return was accepted immediately. I spent days frustrated with this problem, and it was resolved in under an hour once I actually talked to someone at the IRS. I'm eating my words about this service being a scam!

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Has anyone had success with using the IP PIN method that was mentioned earlier? I'm having the same error code but I'm worried about mailing my return because I really need my refund soon.

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Anita George

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I used the IP PIN option last year when I had this same issue. You can request one through the IRS website, but it takes about 2-3 weeks to arrive by mail. Once you have it though, it bypasses the AGI verification completely. Worked perfect for me!

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Thanks for the info! Did you have to verify your identity to get the IP PIN? I tried making an IRS account before and couldn't get past their verification steps.

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Another option - if you still have an account with the tax software you used last year, log in and check if they show the "IRS accepted AGI" rather than just what you entered. Sometimes there's a difference. In my case, I thought my AGI was $63,240 based on my return, but when I checked my TaxAct account from last year, they had a note saying "IRS processed AGI: $63,140" - a $100 difference due to some adjustment. Used that number and it worked right away.

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Just tried logging into last year's TurboTax account and they do actually show the "IRS Accepted AGI" which is different from what's on my PDF by about $200! Apparently there was an adjustment made. Going to try filing again with this number - fingers crossed!

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