Hi, I'm Bernard, a fellow Windows user. I'm happy to help!
This happens when there is a corrupted file in the Windows Defender folder or a reconfiguration is needed. First, you need to check if you have a work or school account:
Open Settings > Click Accounts > Click Access work or school, then disconnect the account there. If you have no account or are already disconnected, and you have the same issue, follow the steps below:
Note: Before doing the steps, I suggest completely uninstalling the third-party anti-virus first.
Method 1. Reinstall Windows Defender
Open the registry, then go to:
Computer\HKEY_LOCAL_MACHINE\SOFTWARE\Policies\Microsoft\Windows Defender
Then delete the Windows Defender folder, restart the PC, and recheck it.
Note: If the issue persists, and since you have done an in-place upgrade, I recommend creating a new user:
Go to Settings > Accounts > Other users > Add account
Follow the prompts to create an account.
Then go to Settings > Accounts > Other users > Select the account you created > Click "Change account type" then select "Administrator"
Restart the PC and log in to the new account
For reference: https://support.microsoft.com/en-us/windows/manage-user-accounts-in-windows-104dc19f-6430-4b49-6a2b-e4dbd1dcdf32