// a generic error message here.
		return ctx, auth.Credentials{}, newServiceAccountOpts{}, madmin.AddServiceAccountReq{}, "", errorCodes.ToAPIErr(ErrAdminResourceInvalidArgument)
	}
	// If the request did not set a TargetUser, the service account is
	// created for the request sender.
	targetUser := createReq.TargetUser
	if targetUser == "" {
		targetUser = cred.AccessKey
	}