So was mine. Twice. I do not have an inherited IRA. Two possible reasons: five years ago I transferred everything out of Fidelity then in Sept I got a statement from them, they sent we a check for $4.96 and later a 1099R . The other possible problem is many years ago I made non-deductible contributions to an IRA. You keep track of them and file form 8606 every year and get a bit of a credit. But, form 8606 is also used for inherited IRAs, so on my second attempt to fix whatever is the problem, I removed that form. So we shall see,
