There are two situations I am aware of that will generate the 190 error.
- Trying to open a personal 1040 .tax file with TurboTax Business and vice-versa
- If the .tax file includes one or more state returns, then you MUST install all applicable state return modules before you will be able to open it. Multiple attempts to open the file without the state return modules installed and updated seems to have a very high potential of corrupting the tax file beyond any possibility of recovery by any means.
