diff --git a/src/libs/actions/IOU.js b/src/libs/actions/IOU.js
index d5676672dd33..4863c9a3561c 100644
--- a/src/libs/actions/IOU.js
+++ b/src/libs/actions/IOU.js
@@ -1,6 +1,7 @@
 import Onyx from 'react-native-onyx';
 import _ from 'underscore';
 import lodashGet from 'lodash/get';
+import lodashHas from 'lodash/has';
 import Str from 'expensify-common/lib/str';
 import {format} from 'date-fns';
 import CONST from '../../CONST';
@@ -1055,6 +1056,7 @@ function createSplitsAndOnyxData(participants, currentUserLogin, currentUserAcco
         let oneOnOneChatReport;
         let isNewOneOnOneChatReport = false;
         let shouldCreateOptimisticPersonalDetails = false;
+        const personalDetailExists = lodashHas(allPersonalDetails, accountID);
 
         // If this is a split between two people only and the function
         // wasn't provided with an existing group chat report id
@@ -1063,11 +1065,11 @@ function createSplitsAndOnyxData(participants, currentUserLogin, currentUserAcco
         // entering code that creates optimistic personal details
         if ((!hasMultipleParticipants && !existingSplitChatReportID) || isOwnPolicyExpenseChat) {
             oneOnOneChatReport = splitChatReport;
-            shouldCreateOptimisticPersonalDetails = !existingSplitChatReport;
+            shouldCreateOptimisticPersonalDetails = !existingSplitChatReport && !personalDetailExists;
         } else {
             const existingChatReport = ReportUtils.getChatByParticipants([accountID]);
             isNewOneOnOneChatReport = !existingChatReport;
-            shouldCreateOptimisticPersonalDetails = isNewOneOnOneChatReport;
+            shouldCreateOptimisticPersonalDetails = isNewOneOnOneChatReport && !personalDetailExists;
             oneOnOneChatReport = existingChatReport || ReportUtils.buildOptimisticChatReport([accountID]);
         }