It doesn't matter if it's a disc or a digital version. There's something wrong with the save file you downloaded from the cloud. It has something to do with the version of the game when it was created. For some reason it breaks the newer versions of the game in this way. Several people on this forum have had the same issue. Unfortunately the only solution (so far) has been deleting all the save files (local and cloud) and basically starting over. Maybe even deleting the game and reinstalling. Not 100% sure about that. It's over 100GB now so I would try the save files first. Your DR and SR will be unaffected but you will lose all the cars, credits, level, completed challenges, etc. Basically the the entire game progress.