That makes sense, thank you for all of the help.
Everything I've read about this says you need to amend your tax return if you've already filed it, but I think that only applies if the excess was withdrawn for that tax year (in this case 2020) as it would result in a taxable event.
I'm thinking in my case there is no change to my 2020 tax return, but I will be taxed for gains on the excess for my 2021 tax return.
As far as I understand (and please correct me if I'm wrong) the 1099-B is the form that reports that the overcontribution was removed, and the form that reports income on that removal to the IRS. So unless I get one for tax year 2020 that return should remain unchanged.
