Hi,
May I ask what method you have tried to fix the issue?
Has this happened recently, or have you never tried to play multiplayer?
May I also ask if your account is tied to a family account or if your account is a child account?
To check, please go to your PC settings (if your MS account is signed in on your device), then go to Accounts, and then click Family.
Or try to access your family group.
I look forward to your response.
Stay Safe!