diff --git a/src/libs/actions/IOU.js b/src/libs/actions/IOU.js
index 77ab246506ce..c96ff49183c9 100644
--- a/src/libs/actions/IOU.js
+++ b/src/libs/actions/IOU.js
@@ -556,8 +556,9 @@ function getMoneyRequestInformation(
         iouReport.parentReportActionID = reportPreviewAction.reportActionID;
     }
 
+    const shouldCreateOptimisticPersonalDetails = isNewChatReport && !allPersonalDetails[payerAccountID];
     // Add optimistic personal details for participant
-    const optimisticPersonalDetailListAction = isNewChatReport
+    const optimisticPersonalDetailListAction = shouldCreateOptimisticPersonalDetails
         ? {
               [payerAccountID]: {
                   accountID: payerAccountID,