For privacy, some users opted for local account when setup Windows 11.  If you prefer not to use your Microsoft log in info, you can perform a clean install using Win 11 iso image created with Rufus, select local account check box.  That is a true local account without providing any personal info to Microsoft. With your local account as administrator, you still can log in and access to your Microsoft account(s) when you choose to.
This is probably more a Windows 11 question but I do have an XPS laptop where this problem is occurring. When installing Windows 11, I was unaware that the install would be pointed at my Microsoft account based on my email address. After installing Windows 11, I restored files from my old computer to "c:\users\stutr\desktop" when I logged back in, I expected to see the files that I just restored on my desktop but they were not there. In fact, this is when I realized that I would had been  actually logging in to my Microsoft account. Searching the web I found that I could switch to a local account by using settings and selecting "log into my local my local account". So I made that switch and "created" / logged into my local account but still the files do not appear on the desktop. In fact when I log into my local account file the files on my desktop are from my Microsoft account.
Restore to local desktop