3161 cannot decrypt file when using transferspreadsheet on an unsecured XLS

I am getting a 3161 cannot decrypt file error when using transferspreadsheet on an unsecured XLS.
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Jeffrey CoachmanMIS LiasonCommented:

Here is the Microsoft fix for your error:

This link states that the Excel file probably has a pasword.

However, you claim that your file is "unsecured".

Excel does not really have an "secured" option. Excel has several layers of protection.

Cell Locking
Sheet protection
Workbook protection
Password to Open
Password to Modify

You can have a password on the Excel file, but assume the file is "unsecured" because you did not enable sheet protection.

So what do you mean by "unsecured"?

The above MS link is the only thing I could find on this error.

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