Hi Gerald
I am Dave, an Independent Advisor, I will help you with this . . .
All new PC's are loaded from a manufacturers image which will almost always be an old version of Windows 10
Microsoft have just released version 20h2, which is really stable (I updated 3 laptops today) you should update straight to that version, and skip 2004 . . .
Click the link below, then click 'Update Now' on that page to download the Update Assistant, then run that to immediately get 20h2 and bring your PC right up to date