If you wait for the IRS to send you a bill, you will owe penalties and interest.
A 1098 is used to report mortgage interest and property taxes. If TurboTax duplicated a 1098, that wouldn’t fail any internal error checks, because many people have more than one mortgage. It will take the IRS several months up to three years to catch the error. The longer you let the error ago, the higher the interest and penalties will be, and you may not be able to recover the interest and penalties from TurboTax if they notified you of the problem and you ignored it.
I reported a 1098 on my tax return, and I never got this notice, so I would be willing to bet that the email was only sent out to people who really do have problems.
