Could this be your problem, an updating Apple ID settings problem? Note that Apple is aware of this problem, but there is no definitive solution yet.
And note that some have solved the problem by signing out ofiCloud, restarting their device(s), and signing back in.
See these documents:
Updating Apple ID Settings https://discussions.apple.com/thread/251076026
Update Apple ID settings iphone https://discussions.apple.com/thread/251180098
Updating Apple ID settings stuck https://discussions.apple.com/thread/251262316
Getting a message to Update Apple ID Settings on iPhone, iPad, or Mac? https://appletoolbox.com/update-apple-id-settings-on-iphone-ipad-or-mac-after-changing-your-password/
How Fix Update Apple ID Settings If It Won’t Go Away https://techzillo.com/update-apple-id-settings/
You also may want to use the support options below in dealing with your problem.
Get a call from Apple support to help solve your problem using this
link https://getsupport.apple.com/?caller=kbase&PGF=PGF63005&category_id=SC0245&symptom_id=23362
Apple ID Support https://support.apple.com/apple-id
Apple ID account security for country-specific and region-specific help https://support.apple.com/en-us/HT204169
Get Support: We’re here to help https://getsupport.apple.com/. Go through the options to find the best support option.