If it's not happening on the laptop then I don't think it's in the account. It must be something in the install like an Update.
What I would do in that case is keep the account and ignore the issue, use a PIN backed up by password, and see if a future Update or Version change fixes it.
Was this a Windows 11 Upgrade? Did it happen in Windows 10? When did it start?
Have you considered going back to Windows 10 to test what happens by doing a Clean Install Windows 10 ?