Fairphone 4 Pre-installed Updater does not load updates

You are likely to have a locked bootloader and stuff stored on your phone.

I added the hashtag fp4 to your OP. There have been a surprisingly large number of people have reported same or similar.

I suggest you review the other similar cases by hashtag. The main choice would be do you prefer to do

  • a clean fresh install and rely on your own backup, or
  • still be sure you have a good backup and attempt a dirty upgrade as has been attempted with mixed success by others.