Fixed!
I revisited the offending 1099-R and saw that I needed to report the required RMD only if it was due on January 31st.
I had not previously seen the statement ...
"Do not include RMDs which are due on April 1. RMDs for the first year you're required to take a distribution are generally due on April 1."
I changed the RMD due by Dec. 31, 2024 to zero, Deleted the Form 5329, and all is well
