I had the same problem for 7 months, the problem is that there is some corrupt file in the Zendesk cloud; supposedly I was going to fix it in the November 2021 update. The temporary solution was to create a new xbox account and log in with it in the MFS2020, only being able to use the base game, if you have the Delux version like me, you have to ■■■■ that they decide to fix it. This could be done until the last update was released now, and now you can only play with the xbox account with which you bought the game. So there is no possible solution, until the developers want to fix it. There are people who have been like this for almost a year and it is a problem that they do not fix it, it seems that it is not a priority that you play their ■■■■■■■ game.