"Multiplayer is not allowed"

“Multiplayer is not allowed”
“The multiplayer feature is blocked due to your Xbox Live settings. Please make sure you have the correct Xbox Live account and your Family Settings are turned off.”

All of my family settings are off, my xbox account is active, I’ve tried hard resetting, I made sure XBL is up and running. I see a friend playing matchmaking but I can’t get mine to work at all.