I agree with you there has been a few that have made me laugh. But then you have the ones that are just down right dirty and the person that has it is usaully a little kid like you said.
All we can do is just report them. I hear that Trey Arc is doing their best to ban offensive emblems. They take it very serious so just keep it up and hope that they recieve the punishment for these emblems. It's bad enough that they make these but when you have little kids around the age of 10 playing this game they should not be seeing things like this. Just keep up the reports. The only thing we can do.
I've seen some dirty ones, gets annoying seeing male gentials or a ozzing female... for a childs emblem, then some of them trash talk when you say something about it xD
I don't like the payer cards as well. Which there was so way to do something. My son sometimes watches me play and he sees the player cards in like a death or final kill and asked questions.
I'm glad this issue isn't arising outside of the COD Realm at the moment. I'm sure these complaints do not apply to XG members, but just to be on the safe side, remember we do have rules that apply to this when being a part of the clan. So if you think its questionable Emblem, play it safe.