The initCode in the user operation does not create an account.

Solutions

1. Check that the initCode is correct.
   1. The first 20 bytes should be the factory address
   2. The remaining bytes should be the encoded function call
   3. The address should be deterministic
2. Investigate how the factory is creating the account by simulating it with tools like userop.dev, Tenderly, or the ERC-4337 Devnet
3. Reach out to your bundler provider or ask a question in the Stackup Discord server for help. Be sure to include the user operation and any relevant information about how you're building it.