"irs says I need to verify my account."

This could be a scam.  How did the IRS contact you, if not by letter?

From the IRS:

"The IRS is aware of email phishing scams that include links to bogus web sites intended to mirror the official IRS website. These emails contain the direction “you are to update your IRS e-file immediately.” These emails are not from the IRS."

https://www.irs.gov/newsroom/tax-scamsconsumer-alerts