Please see my answer dated Dec 2, 2025 in this question.
https://learn.microsoft.com/en-us/answers/questions/5639768/file-sharing-win-11-not-working
I never change the password to my Microsoft account. If you do, then I would suspect that your issue is that the local account, the first 5 letters as I called it, still has the old password. This is a variant on my comment about the user who had only ever logged in with his pin, and never used his password to log in.
Log in to each machine and run whoami.exe to see the local account that serves as a placeholder for your MS account. You can also run "whoami /all" and you can see "MicrosoftAccount\YourEmailAddress" listed.
Then use runas.exe to see if you can launch a command prompt with your MS account's password.
Do you typically log in with a pin or a password?
The next time that you change your MS account password, use runas.exe to see if the placeholder account knows what the new password is.
I don't have a way to test this. I don't want to change my password.