ORA-22810: cannot modify object attributes with REF dereferencing
Cause : An attempt was made to modify the attributes an object by dereferencing a REF column in an UPDATE statement.
Action - How to fix it : DBA Scripts :: www.high-oracle.com/scripts
Update the table containing the object that the REF points to, or change the REF column to an object type column.
Well, the reason for above error is that i have taken the above script from a 11g database and running it on 10g database. 11g has bring some changes in password management. Below code is executed on 11g and user created successfully, which is expected result.