Having multiple Universal Account Numbers (UANs) for Employees' Provident Fund (EPF) can arise from job changes, leading to complications in transfers, withdrawals, and potentially forgotten balances. Duplicate UANs often occur due to employers creating new numbers when the old one isn't provided or linked correctly, or due to minor discrepancies in personal details like name or date of birth. While fixable, ignoring this issue can cause administrative headaches and hinder access to accumulated funds.