My account is set to child settings but the settings say it's an adult account

If your date of birth that you originally set your Xbox account up with, is under the age of 18 (20 South Korea and Japan) then you will have to wait for it to naturally propogate to an adult account. Date of birth can not be changed once entered at original
set up.

The way this is supposed to be set up is that you have a child account and an adult account. The child account is a separate account but it cannot act independently of the adult account. From the adult account you can set purchasing permissions and even
set a monthly allowance that will not be exceeded. You can also set restrictions on what you child views or sees and how they can pick friends.

The problem is that most of the time when these accounts are set up, parents do not create a child account, they just set up an adult account for the child, and we cannot set permissions on an adult account.

The only thing you can do with an adult account is remove any payment methods and add gift cards to the account as needed. That way when the money is gone its gone.

Is your account set up as a child account? Those messages sound like they relate to child account settings.

If you do have a child account, those settings will need changing in the adult account it is associated with.

Nono It's a Adult Account, Without restrictions.

[...] It says I need to change Others can communicate to everybody, with a link to the page. However, when I click on the link I have been redirected to a change settings on a child account page. I have never known of any "Adult" account being linked
to mine [...]

That message about child accounts usually happens, if you are signed in on a child account (i.e. an account that is not yet of legal adult age according to the birthdate you have entered when you created the account).

If you have a child account, you will need an adult parent account that signs in on
https://account.microsoft.com/family and adds your child account to their adult family account.

Then the adult has to go to
https://account.xbox.com/settings and click on your child account. Then they can set up your child account's online and privacy settings accordingly.

well what if i cant access my xbox settings it only says error child trying to access settings and redirects me to a page on how an parent can change the settings even when my account is an adult account?...