Underreported Income Notice

What Is IRS Notice CP2000?

The IRS says you didn't report all your income. Here's what that means and how to respond.

What Is a CP2000 Notice?

The CP2000 notice means the IRS received information from employers, banks, or other sources showing income you didn't report on your tax return. This is called an "underreporter inquiry."

This is NOT an audit (yet). It's a proposal. The IRS is saying "We think you owe more taxes based on this information" and giving you a chance to respond.

The notice will show:

  • What income the IRS says you didn't report
  • Which forms they received (W-2s, 1099s, etc.)
  • The proposed tax increase
  • Penalties and interest added

You Can Dispute This

Unlike most IRS notices, the CP2000 is a proposal, not a bill. You have the right to disagree and provide evidence. Many people successfully reduce or eliminate CP2000 assessments.

Common Reasons You Got a CP2000

Missing 1099 Income

You received income reported on a 1099 form (freelance work, interest, dividends) but forgot to include it on your return.

Stock Sales Not Reported

You sold stocks, crypto, or investments but didn't report the transactions. Brokers send this info to the IRS automatically.

Incorrect Cost Basis

You reported investment sales but used the wrong cost basis, making your gains look lower than they actually were.

Retirement Distributions

You took money from a retirement account but didn't report it as income on your return.

How to Respond to Your CP2000

If the IRS Is Right: Agree

If you actually didn't report this income and the amount is correct, sign the response form, pay the amount (or set up a payment plan), and return it by the deadline.

This is the fastest way to resolve it.

If the IRS Is Partially Right: Agree with Changes

If they're right about some income but missed deductions or made errors, complete the response form explaining the corrections and include documentation.

You'll need proof: receipts, statements, Forms 1099 showing different amounts.

If the IRS Is Wrong: Disagree

If you actually DID report this income or the IRS made a mistake, provide documentation showing you already included it on your return. Attach copies of your tax forms.

Common IRS errors: double-counting income, matching wrong taxpayer ID.

You Have 30 Days to Respond

If you don't respond within 30 days, the IRS will send a Statutory Notice of Deficiency (90-day letter). That's when it becomes an actual tax bill and your options shrink significantly.

Get Your Complete CP2000 Response Plan

Upload your CP2000 and we'll tell you exactly how to respond, what documentation you need, and whether you should agree or dispute.

$99 for complete step-by-step response guidance