In the recent past old backups and current files were giving me a Invalid password and I would have to reset all passwords on the current file. There was no way all files had corrupt info. What I discovered was OneDrive had started backing up my Quicken document folder. Once a file was backed up on OneDrive the error occurs. I have turned off OneDrive and the issue has gone away. In the process of resetting I needed to log out of Quicken and logged back in.