Thank you all for the great thoughts above.
I spoke to a very experienced immigration attorney today.
They noted:
Never heard of this happening in 25+ years practicing immigration law
They advised against reaching out to USCIS (as did other lawyers I spoke to last week). Kicking can of bees may upset them, put them on the defensive, try to blame me, reopen my entire immigration history.
The advice was imagine you never got home and googled it. You asked an official about the 5 year rule, you were told it was part of the 90 day early rule. You took your oath. You went home an American. Many in my situation would have done that. My spouse is one of them. Would never have thought twice about going down a rabbit hole of legal websites.
If USCIS or DOJ ever reaches out, then engage a lawyer to help remedy it, and facts will be on my side. No fraud, misleading, willful omission, etc on my part. In fact, I alerted them to the potential issue and was told it's not an issue
Lawyer confirmed that, unless denaturalized, I am and remain a citizen of the United States
An agency or department such as USCIS, SSA may notice a discrepancy and raise a flag to the DOJ, but only the DOJ and the federal judiciary has the power to revoke the citizenship - and the certificate of naturalization. SSA, for example, cannot say 'you're not a citizen'. Not their call to make.
Denaturalization is rare, high burden of proof, and not used to correct mistakes historically. A prosecutor is not obligated to prosecute every potential denaturalization case that crosses their desk. In fact the DOJ guidelines say when determining whether to institute denaturalization proceedings, a prosecutor should consider whether proceedings would result in the “betterment of the citizenship of the country" and that proceedings should not be instituted merely to correct errors and irregularities in an individual’s naturalization, which would properly have been the subject of consideration at the naturalization hearing or of correction on appeal
Now, all that said, as someone pointed out above, I am very tempted to get my A# file through FOIA. Perhaps they have my green card date earlier than it actually was in there, meaning from their POV the 5 years was met and no computerized checks would flag it. Why wouldn't the IO have noticed any such discrepancy when she took my physical green card and looked at it? Human error. A tired, stressed, rushed lady who more concerned about getting her schedule back on track than answering my questions. Everyone's got a boss. Bet she was stressed about being an hour behind and not meeting her quota for the day.
Does anyone know if a FOIA request can open a can of worms? (See above about not reaching out to USCIS) i.e. whoever is compiling your FOIA request sees a date issue and raises a flag. Or is it just electronic files which someone essentially copies from an internal computer folder and puts in an online portal where you can download them?
I will try and dial into the Jim Hacking show tomorrow too... would love to get his take on it. Called his office, offered to pay for some of his time to discuss it directly (I prefer the anonymity of forums to being on a YouTube show), but they don't give legal advice (except on the YouTube show) and only take on cases where there is work to be done.