At least one player in your fireteam is not...

Trying to play Halo 5 multiplayer, I get message “At least one player in your fireteam is not permitted to play xbox live multiplayer games.” Tried restarting game, testing my network and multiplayer connections, logging out and back in to xbox live, soft reset, hard reset, everything short of uninstalling and reinstalling the game. It’s the game pass version and I have game pass ultimate, if that makes a difference.