Sure..I can share the scene too... (give me a little bit) if you have the scene opened, could you try to copy the same panel for the curtain and put it a little bit far from the previous one? 5 cm of distance between...
Alex 💪🏻
about your questions: it happens on IR and final render too, but into the final render the splotches are more little...denoise is turned off...
EDIT: did you tried to zoom into the image? try to zoom near the divider of the windows and see the differences, you can notify a bad quality on the mirror...here is not a problem but try to duplicate the curtain...