Hi Scott,
Thank you for writing to us. Is your problem resolved?
In case if it persists, just type in the default phrase which is “A1B2C3”. After logging in you can disable or do a work around.
How to Disable or Work Around It
That "Challenge Phrase" prompt is a security feature in Windows that kicks in after multiple failed login attempts. Normally, it should stop appearing after some time, but since it's persisting, try these fixes:
- Clear Cached Credentials
- Press Win + R, type netplwiz, and hit Enter.
- Select your account and click Properties.
- Under the Advanced tab, clear any saved credentials or auto-login settings.
- Restart and check if the issue persists.
- Reset Windows Login Threshold
- Press Win + R, type secpol.msc, and hit Enter (not available in Windows Home editions).
- Go to Account Lockout Policy > Account Lockout Threshold.
- Set it to 0 (unlimited attempts) and confirm.
If secpol.msc isn’t available:
- Open Command Prompt (Admin) and run:
net accounts /lockoutthreshold:0
- Restart your PC.
- Check Group Policy (if applicable)
- Open Group Policy Editor (gpedit.msc).
- Navigate to:
Computer Configuration > Windows Settings > Security Settings > Local Policies > Security Options
- Look for "Interactive logon: Machine account lockout threshold" and set it to 0.
- Restart.
- Reset PIN & Biometrics
- Open Settings > Accounts > Sign-in options.
- Remove and re-add your PIN and Fingerprint/Face Unlock.
- Restart your PC.
This has been a known issue that is related to the April Update this year that affected Surface and ARM Devices. Our Engineering team has been working to find a fix for this.
I hope the above steps help you find a workaround.
All the best,
Restee M.
Microsoft Community Contributor