If you’ve claimed the Earned Income Credit (EIC) and suddenly received a CP75 Notice from the IRS, don’t panic. This notice doesn’t mean you’re in trouble—it just means the IRS wants to take a closer look at your EIC claim before finalizing your refund.
Let’s walk through everything you need to know about the CP75 Notice, from what it means to how you should respond and avoid future issues.
For immediate assistance, seek our emergency tax services.
What Is the Earned Income Credit (EIC)?
The Earned Income Credit (EIC) is a refundable tax credit aimed at helping low-to-moderate-income individuals and families. It’s designed to reduce the amount of tax owed—and in many cases—provide a refund even if no tax is due.
Here’s why the EIC is so valuable:
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It increases your refund.
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It supports working individuals and families with qualifying children.
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It’s refundable, which means you can receive it even if your tax bill is zero.
However, due to the high volume of fraud associated with EIC claims, the IRS often performs additional examinations, and that’s where the CP75 Notice comes in.
What Is a CP75 Notice?
A CP75 Notice is a letter the IRS sends to inform you that your tax return is under examination, specifically your Earned Income Credit claim. The IRS is asking for additional documentation before releasing your refund.
This doesn’t mean you’ve done anything wrong—it just means the IRS needs proof that you qualify for the credit.
The notice will typically state:
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Your EIC claim is being reviewed
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You are not being audited in full—only the EIC portion
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Documentation is required to support your claim
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Your refund is being held until the review is complete
Why Did You Receive a CP75 Notice?
There are several reasons why the IRS may issue a CP75 Notice. Here’s how it usually happens:
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Missing or inconsistent information: If your return contains errors or information that doesn’t match IRS records.
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Suspicion of an ineligible claim: If it appears you claimed a child who doesn’t meet the relationship, residency, or age requirements.
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Previous EIC issues: If you’ve had EIC-related problems in prior years, you may face added scrutiny.
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Random selection: Some CP75 Notices are sent as part of routine compliance checks.
What Documents Does the IRS Request?
When you receive a CP75 Notice, you’ll be asked to provide supporting documentation for your EIC claim. Here’s what the IRS may request:
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Proof of relationship to the child (birth certificates, adoption papers)
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Proof of residency (school records, lease agreements, medical records showing address)
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Proof of income (W-2s, 1099s, or self-employment records)
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Proof of filing status (marriage certificates, separation documents)
Make sure all documents are legible, dated, and clearly linked to the tax year in question.
How To Respond to a CP75 Notice
Responding correctly and on time is crucial. Here’s a step-by-step breakdown of what to do:
1. Read the notice carefully
The CP75 Notice outlines exactly what the IRS needs and the deadline to respond. Missing the deadline could result in your EIC being denied.
2. Gather your documentation
Review the checklist in the notice and collect everything the IRS asks for. If you’re unsure what’s needed, contact a tax professional.
3. Complete Form 886-H-EIC
The IRS often includes Form 886-H-EIC, a worksheet to guide you through what documentation is required. Fill it out and attach your documents.
4. Mail your response
Send your documents and form to the address provided in the notice. Make sure to:
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Use certified mail or another trackable service
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Keep copies of everything you send
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Respond before the deadline (typically within 30 days)
IRS Processing Timeline
After the IRS receives your response, it can take 8 to 12 weeks for them to complete their review. During this time:
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Your refund will be held
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The IRS may request additional information
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You may receive updates via mail
If everything checks out, your EIC will be approved, and your refund will be processed. If not, the IRS will send a denial letter with further instructions.
What Happens If Your EIC Is Denied?
If the IRS disallows your EIC claim, you’ll receive a letter explaining the decision. You’ll also lose any portion of your refund related to the credit.
Here’s what to do next:
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Review the denial letter carefully to understand why your claim was rejected.
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Contact the IRS if you believe a mistake was made.
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Appeal the decision if necessary.
How To Appeal a CP75 EIC Denial
If you disagree with the IRS’s findings, you have the right to appeal. Here’s how the process works:
1. File a written protest
Write a formal letter stating that you disagree with the IRS’s decision. Include your explanation and any supporting documentation.
2. Submit the protest
Mail your protest to the address in your denial letter. Make sure to do this within 30 days of receiving the notice.
3. Request a conference
If needed, you can request an Appeals Conference where you’ll speak with an IRS Appeals Officer to present your case.
A tax attorney can help you build a strong appeal and guide you through the process.
Avoiding Future CP75 Notices
Here’s how to reduce your chances of receiving a CP75 Notice in the future:
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Double-check EIC eligibility rules before claiming
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Only claim dependents who meet IRS requirements
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Maintain good documentation throughout the year
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Avoid estimated figures—be accurate and precise
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Work with a tax professional to ensure your return is filed correctly
The Earned Income Credit is a powerful tool, but only if used properly. The more accurate and well-documented your return is, the less likely you are to face a delay.
When To Get Legal Help
If you’re struggling to respond to a CP75 Notice or if your EIC claim has been denied and you need to appeal, working with an experienced tax attorney can make a big difference.
At Silver Tax Group, we’ve helped countless taxpayers resolve EIC disputes, file accurate returns, and recover denied refunds. If you’re dealing with a CP75 Notice or have questions about your EIC eligibility, we’re here to help you fight back against IRS delays and decisions.
Call Us Today for Tax Assistance
A CP75 Notice can be stressful, but it’s not the end of the road. It simply means the IRS wants to ensure your Earned Income Credit claim is valid before issuing your refund.
By responding promptly, submitting the right documentation, and staying informed, you can successfully resolve your case and move on with confidence.
And if you need support, Silver Tax Group is just a call away. Let us help you protect your refund and your rights as a taxpayer. Contact us today for a free consultation.
