I'm having pretty much the same issue. I've tried nearly every possible way to create this user. This is building a fresh 20H2 Win 10 machine via MECM PXE, non-domain. Even though I have a admin password set in the process, it still disables the account and fails to create the account. I've tried doing straight command line like here, I've tried creating a package and has batch and PowerShell scripts then running those scripts in a SMSTSPostAction, all fail. Machine reboots in to windows, and sits at the login screen with all users disabled. Any help would be appreciated.