Update Apple ID Settings

I have three Apple devices. iPhone SE 2022 (Primary), iPhone SE 2020, iPad 9th Gen.

The issue:

Ever since upgrading my Primary iPhone SE2022 to IOS 16+, my phone intermittently pops up with "Update Apple ID Settings, some account services will not be available until you sign in again". My iPhone SE 2020 and iPad never experienced this until I also updated those devices to iOS 16+.

I have been back and forth with Apple Support with many Senior advisors.

• I do not use 2FA for personal reasons.
• I have temporarily enabled 2FA as suggested by the advisors to no avail. The Apple ID Settings prompt still pops up.
• Yesterday (February 23rd 2023), I noticed every time I back up my devices to iTunes on a windows PC it triggers the pop up immediately.
• Now, and unlike before the prompt is occurring after every reboot on all three devices.

Things I have tried already :

• Log out of all devices that use my Apple ID. There is only 1 Apple ID. Log back in on all devices.
• Enable 2FA, log out on all devices and re-login on all devices with 2FA enabled.
• Completely wipe all devices to brand new status, then log into my Apple ID on each device without performing a recovery.
• Completely wipe all devices to brand new status, then log into my Apple ID on each device after recovering back ups.

What I have discovered :

• I have a spare Apple ID that does not use 2FA. I have logged this spare Apple ID onto all of my devices, and this Apple ID does not have the "Update Apple ID Settings" prompt issue.

So far, I'm at my wit's end. I've had two senior advisors try to blame 2FA or Keychain on this issue which never made sense to me since my account does not use 2FA. One advisor claimed I'm having this prompt pop up always because I don't use 2FA. But this also does not make sense because my spare Apple ID does not have this issue, and I already tried using 2FA but the issue persisted if not worsened.

There is also a secondary issue that occurred yesterday for the first time.

Upon logging into my Apple ID on appleid.apple.com, and putting my correct password in it immediately said "Your Apple ID has been locked for security reasons. To unlock it you must verify your identify". Upon tapping unlock account, it immediately prompted me to change my password.