I clean installed it way when it came right out from a digital download purchase. It was something like $29.95 for college students so I figured I'd get it that way.
I don't recall doing anything new lately as far as installations or tweaks go, just the normal stuff. I hadn't even messed around with any of the User Accounts settings since I installed Windows 7 way back in the fall, so I'm not even sure when this initially stopped working. Back then when I put the initial password and photo in everything worked normal. I just happened to click to today and noticed. All the stuff runs fine and everything, it's just annoying not being able to change your password or anything with user accounts for that matter.