Plain-English translation of this IRS notice — what it means, what happens if you ignore it, and exactly what to do.
What the IRS says
The IRS proposes changes to your tax return because the income reported by employers, banks, or brokers does not match what you reported.
What it actually means
In plain English: The IRS got different numbers than the ones on your return. This usually means a W-2, 1099, or brokerage statement reported income you forgot to include — or reported it differently. It is a proposal, not a final bill.
Deadlines
Respond within 30 days of the letter date (60 days if you live outside the US).
What to do
Agree: sign the response form and pay the amount shown (or arrange a payment plan).
Disagree: send the response form with documents proving your numbers (corrected W-2, 1099, statements).
Partially agree: mark exactly which items you agree/disagree with and attach proof for the disputed ones.
Do not ignore it — after the deadline the proposal can become a formal tax assessment.
Key facts
IRS notice date
On the letter, top right
Tax year
Usually the prior year
Typical amount
Varies — tax on the unreported income plus interest
Was this explanation helpful?
Thanks for the feedback!
Get any letter decoded
Get any letter decoded in 60 seconds
Upload a photo of your IRS letter. Plain-English explanation, deadlines, and exactly what to do next.
One-time per letter. Launching soon.
Payments open soon — you're on the early list. We'll email you the moment it's live.
You're on the list. We'll email you at launch.
Informational only — not tax or legal advice. Verify everything at irs.gov or with a qualified professional.