This can happen when you've changed the password of the account, but are still logging in using a PIN or Biometrics (Windows Hello).
To resolve, logon to the PC you want to RDP to, using the full upn and password (not PIN)
that's it !
because i used authenticator for the first login on the pc so the pc had not my full password in 'memory' and could not validate it
on the target pc to easily find a place to login with password: win+L => forgot my pin => forgot my pin=> use my password instead => login => validate login with authenticator => then cancel the reset of the pin and log into pc with your pin as usual => retry rdp