Odd. I just drop the downloaded tactics into the folder:
%YourWindowsDocumentsFolder%\Sports Interactive\Football Manager 2020\Gamepass\tactics
and I can load them in the game. If you have the Steam version too you will have another FM20 folder, so you need to be sure they are in the Gamepass...
Worth noting, on the off chance you already pay for GamePass Ultimate FM20 is on there at present to you could try it out for 'free', it's how I played 19 and now 20.
There was a bug in the GamePass version that prevented loading any tactics or formations files. Seems to have been fixed in the last update. You should be able to use any of the files for the game now.
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