Hello,
Have you attempted using the Microsoft Account Sign-in Helper which can help identify the issue and provide available support options?
Reference article: Account has been locked - Microsoft Support
Here's a similar thread you may refer to How to Reset & Recover Microsoft Account - Microsoft Community
We would also suggest you could post this issue in Results in Windows - Microsoft Community with product Windows / Windows 11 / Accounts, profiles, and login selected, here will be a dedicated engineer to provide you with a professional and effective reply.