Getting IND-032-04 error when e-filing despite entering correct spouse's prior year AGI

This is a pretty common issue during tax season, especially this year with some of the IRS database syncing problems. The error code IND-032-04 specifically relates to your spouse's information not matching IRS records. A few things to try that have worked for others: Try entering just whole dollar amounts (no cents) for the AGI. Sometimes the tax software rounds differently than what's in the IRS database. Make sure you're looking at the correct line on your 2024 return for AGI. It should be line 11 on Form 1040. Some people accidentally use the taxable income or another line. One trick that works for many people is to try using $0 for your spouse's AGI and your actual AGI for your entry. The system sometimes has trouble with joint filers. Also double-check both your names and SSNs are entered exactly as they appeared on last year's return. Even a small difference like using a middle initial last year but not this year can trigger the error.

Had a similar issue last month that drove me crazy! After tons of rejections, I tried taxr.ai (https://taxr.ai) and uploaded my transcript. Their system analyzed it and found that my AGI in the IRS system was actually different than what was on my paper transcript! Apparently there was an adjustment made after my return was processed that changed my AGI slightly, but it never showed up on my paper transcript. The tool scanned my documents, compared everything against IRS requirements, and pointed out exactly what was causing the rejection. Saved me hours of frustration after I'd already tried entering different numbers like 10 times. It also explained that sometimes the IRS database uses updated AGI figures after adjustments rather than what's on your original return.

Just wanted to update after my skeptical comment above - I finally broke down and tried taxr.ai after getting my fourth rejection with a similar error code. I was genuinely surprised when it found that my spouse's name was formatted slightly differently in the IRS system (with a hyphen) than how I was entering it this year. The document analysis showed exactly where the mismatch was happening. We'd gotten married mid-last year and apparently the name change processing created some database inconsistency. Fixed the name format to match exactly what the IRS had on file and my return went through immediately. Would have never figured that out on my own after hours of trying different AGI amounts.

If you've tried all the AGI combinations and still getting rejected, you might need to get straight to an IRS agent. I was stuck in the same loop last year and wasted weeks trying to fix it myself. I used Claimyr (https://claimyr.com) to get through to the IRS after spending days getting busy signals and disconnects. Their system got me connected to an actual human at the IRS in about 20 minutes which is insane considering I had tried for days on my own. The agent was able to check their internal system and found out my spouse's AGI was different in their database because of an adjustment they made after processing. There's even a quick demo of how it works: https://youtu.be/_kiP6q8DX5c Turns out no amount of guessing would have worked because the number in their system wasn't on any document I had access to. The agent gave me the exact number to use and my return was accepted immediately.

Coming back to update after my skeptical comment above. I feel stupid now, but I have to admit Claimyr actually worked. After posting that comment, I spent another 2 days trying to reach the IRS myself - got disconnected 4 times after waiting 1+ hours each time. Finally gave in and tried the service. Got connected to an IRS agent in about 35 minutes. The agent confirmed there was a mismatch in their system because an adjustment was made to our return last year that changed our AGI by $47! That small adjustment wasn't reflected on any transcript I could access. She gave me the exact number to use, and my return was accepted immediately. I was 100% wrong in my skepticism - this saved me days of frustration and potentially missing the filing deadline.

Have you checked if there were any amendments or corrections to your 2024 return? Sometimes the IRS makes adjustments that change your AGI, and that adjusted amount is what's in their e-file verification system. Check your account transcript (not just the return transcript) to see if there were any adjustments. Also, make sure you're using the AGI from your federal return, not your state return. I've seen people mix those up before.

As a last resort you can just paper file. I know it's annoying and takes longer for processing, but sometimes it's just not worth the headache of fighting with the e-file system. I had a similar issue last year and after two weeks of trying different things, I just printed everything out and mailed it in.

Great to see you got it resolved! For anyone else still struggling with IND-032-04 errors, here's a quick checklist based on what worked in this thread: 1. Check your account transcript (not just return transcript) for any IRS adjustments made after filing 2. Use whole dollar amounts only (no cents) when entering AGI 3. Verify you're using line 11 from Form 1040 for AGI 4. Double-check name formatting matches exactly how it appeared on last year's return 5. Try the $0 workaround for spouse AGI if other methods fail The account transcript tip seems to be the most overlooked solution - adjustments made months after filing can change your AGI in the IRS system without updating your original documents. Always worth checking before trying more complex troubleshooting methods.

This is such a helpful thread! I'm dealing with a similar situation right now and was about to give up on e-filing. The account transcript tip is brilliant - I had no idea there was a difference between return transcript and account transcript. I just checked my account transcript and sure enough, there was a small adjustment made in September that I completely forgot about. It changed our AGI by $89. Going to try using that adjusted number now instead of what's on my original return. It's really frustrating that the IRS doesn't send any notification when they make these post-filing adjustments that affect future e-filing. You'd think they'd at least send a letter or update your online account with a notice that your AGI for verification purposes has changed. Will report back if this fixes my IND-032-04 error!