iPhone shows SIM locked

I have an iPhone 11 originally from AT&T. I was told it was unlocked from the previous owner but in settings, under carrier lock it is still showing as “SIM locked”. I have tried another carrier SIM (Verizon) and it seems to be working without giving the activation screen. Has anyone seen this or know why the unlock is not reflected in settings? I have tried updating the software and have restored the phone to factory settings but it has not updated.

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