Just checking, do you have the memory in the appropriate slots? please refer to the user manual, but I believe 2 and 4 are the slots you're looking for.
The IMC of each 11900k varies quite a bit it seems. So some definitely run memory better than others. That said, I'm surprised that 3600 won't run gear 1. That seems too bad for normal IMC spread. If you couldn't run 3733 gear 1 I wouldn't be terribly surprised, but many can do that if the RAM allows. If you take a look at the
MSI chart here, they did a pretty nice job giving a clue of what frequencies should run easily or are harder to achieve based on the specific CPU's IMC capability. It does say 3400 won't run, but 3600 should be "easy" as well as 3466.
One other thing you might want to try is giving a slight boost to the voltage. I had to do that even on my 4000 kit to get it to run 3733 gear 1 (with
very slightly tighter timings than XMP).
Here's the big memory thread we had going if you want to dig through what others tried and were successful with (and unsuccessful).