diff --git a/src/libs/actions/IOU.ts b/src/libs/actions/IOU.ts
index c3b6d1415ac0..654f9a33928c 100644
--- a/src/libs/actions/IOU.ts
+++ b/src/libs/actions/IOU.ts
@@ -4880,7 +4880,8 @@ function getOrCreateOptimisticSplitChatReport(existingSplitChatReportID: string,
     const existingChatReportID = existingSplitChatReportID || participants.at(0)?.reportID;
 
     // Check if the report is available locally if we do have one
-    let existingSplitChatReport = existingChatReportID ? allReports?.[`${ONYXKEYS.COLLECTION.REPORT}${existingChatReportID}`] : null;
+    const existingSplitChatOnyxData = allReports?.[`${ONYXKEYS.COLLECTION.REPORT}${existingChatReportID}`];
+    let existingSplitChatReport = existingChatReportID && existingSplitChatOnyxData ? {...existingSplitChatOnyxData} : undefined;
 
     const allParticipantsAccountIDs = [...participantAccountIDs, currentUserAccountID];
     if (!existingSplitChatReport) {