Basically they need to sandbox off the children into their own matches like Netflix kids or some bullshit, so re-verifying the accounts would be the first step using a credit card.
Either the kid steals mom or dads card to bypass the prompt or they get the parent to approve or deny playing matches with no censorship.
I play on PSN though. I noticed in general with MP.. these little shithead kids are the most vulgar, mouthy ones in some matches. Little bag lunch fucktards.