If you think your 1099-R is wrong, you should contact the payer listed on the form.
That being said, if you leave a job and have an outstanding loan from your retirement plan, they will issue a 1099-R showing the amount as an early distribution.
If the amount in your retirement plan is small, they may just issue you a check for the balance. This is also an early retirement distribution.
If you feel certain you did not receive this distribution, please contact the payer and let them know. They will be able to tell you how and when this distribution was made.
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