if the earnings Box 2a were greater than Zero, that is a taxable amount to be reported entirely on your 2024 tax return via Form 1040-X.
It is not usual to get a 2025 1099-R now. Maybe the custodian is giving you a heads up as a courtesy.
It is probably not sent to IRS yet.
If the custodian is a bank it is not unusual for the bank to give you incorrect advice. There is no penalty if you filed your 2024 tax return on or before April 15th, or you requested an extension of time to file and the ontribution was for 2024, not for 2023.
Please state the disitrbution code(s) in box 7 of this 1099-R and the amount in Box 2a.
