How to Get an IP PIN to Protect Against Identity Theft

Identity theft remains a significant concern, especially during tax season when fraudsters often misuse personal information. To address this threat, the IRS offers an Identity Protection Personal Identification Number (IP PIN), an additional layer of security for taxpayers. Understanding how to obtain and use an IP PIN is key to protecting your financial identity.

Steps to Request

Taxpayers can request an IP PIN through online access, phone, or mail, depending on their preferences and circumstances.

Online Process

The online method is the fastest way to obtain an IP PIN. Taxpayers can use the IRS’s “Get an IP PIN” tool on its official website. This requires creating an IRS account by verifying identity with details such as Social Security Number, tax filing status, and address from the most recent tax return. Further verification via a financial account number, like a credit card or loan account, may be required. After successful verification, the IP PIN is issued immediately and can be used for the current tax filing process. This method is ideal for those seeking quick access to their IP PIN.

Phone Option

For individuals who face challenges online or prefer human interaction, the IRS provides a phone option. Taxpayers can contact the specialized IP PIN phone line. Before calling, they should have their most recent tax return and identification details ready to streamline the verification process. Once verified, the IRS will mail the IP PIN to the taxpayer’s registered address, typically within 21 days.

Mail Submission

For those who prefer traditional methods or lack digital access, requesting an IP PIN by mail is an option. Taxpayers must complete Form 15227, the Application for an Identity Protection Personal Identification Number, and mail it to the specified address. This form requires personal information, including Social Security Number, date of birth, and details from the last tax return. After processing and verifying the request, the IRS will mail the IP PIN to the taxpayer’s official address. While slower, this method ensures accessibility for individuals less comfortable with technology.

Annual Renewal

The IRS issues a new IP PIN annually to maintain its security benefits. This update is automatic and typically sent to taxpayers in early January, aligning with tax season. Taxpayers should confirm receipt of their new IP PIN before filing taxes. If the updated IP PIN is not received by mid-January, contacting the IRS promptly is recommended to avoid delays. Keeping contact information current with the IRS ensures seamless delivery of the new IP PIN each year.

Contacting the IRS if Issues Arise

Taxpayers may encounter challenges with their IP PIN, such as not receiving it on time or experiencing discrepancies during tax filing. In such cases, reaching out to the IRS is essential. The IRS provides a dedicated assistance line for IP PIN inquiries, where representatives can address concerns. Having relevant documentation, such as the previous year’s tax return and IRS correspondence, on hand can expedite resolution.

For taxpayers who prefer written communication, inquiries can be sent via mail. This option, while slower, allows for detailed explanations or submission of additional documentation. Using the correct mailing address and sending correspondence via certified mail ensures timely processing and tracking.

Documentation to Keep

Organizing and retaining IP PIN-related documents is essential for resolving potential issues. Taxpayers should securely store IRS-issued correspondence containing their IP PIN and any related communication. These records should be easily accessible when needed.

Additionally, taxpayers should keep copies of filed tax returns and supporting documents, such as records of deductions, credits, and income. These materials are crucial for verifying past filings, handling amendments, or addressing audits. Retaining these documents for the recommended period, typically three to seven years, ensures compliance and supports future tax-related inquiries.