Not sure about the latest Android version, but I managed to unlock and bypass a phone which had factory reset protection, and as far as I know a lot of vendors like Samsung have their own exploit available.
Using this you can manage to get to the settings app (while still locked, waiting for the previous owners google account) and remove the account, add your own or disable the security.
Done!
I remember reading a blog post describing similar compatibility patches in Windows, writing something in the line of: