The error occurs because Polkadot-JS now expects account backup files in array format [{…}] rather than the older single-object format {…}. The fix is straightforward: wrap your JSON content in square brackets. old way:
{"address":"5GrwvaEF...","encoded":"0x...","encoding":{...},"meta":{...}}
new way:
[{"address":"5GrwvaEF...","encoded":"0x...","encoding":{...},"meta":{...}}]
i.e.
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Add [ at the very beginning of the file
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Add ] at the very end of the file
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Save the file