Ah okay, I understand now you never had access to the folders. Without being too cheeky, I wonder about the original install and setup. For reference the WinVer on this upgraded W11 Pro PC I am using is currently: 22H2 (OS Build 2263, 1095) My only other W11 install is on my wifes machine which is W11 Home but was setup with her MS account.
Do you recall how the initial setup went? It likely asked for your MS account to store the digital W11 license.
W11 Home is very hard to install without a MS account first then switching to a local account from what I read. Sounds like some malarkey goings on there. Since its all new, and will not likely loose anything I think I would be inclined to do a fresh install and use a MS account at least at first in order to store the digital OS license (but that is just my preference so you might have other preferences). You may also gain some headway by adding a MS account user name as admin and checking for read/write privileges there. I know many people are opposed to use anything but a local account but I actually find it nice to sync all of my PC desktops favourites and settings between several machines including OneDrive folders.
In any case, more info here on installing without MS account:
https://beebom.com/how-create-local-account-windows-11/
One more thought, is bitlocker turned on? That may play strangely with an offline local account particularly if it was installed and on using a MS account then switched to a local account.
Good luck.