"Justin Nolan over at 360insider blogs about one of our key annoyances with Project Gotham Racing 3 and Call of Duty 2. When in a multiplayer match, smack talk is expected. But some people who play on Xbox Live are sometimes very foul, probably in part because they feel immune from punishment.
The issue is that PGR3 and other games lack an on-screen indicator showing who is talking. If you want to leave negative feedback for the jerk who thinks that black people should not be allowed to play video games, you can’t, because you don’t know which of the people you’re playing with spouted the hate in the first place.
It needs to be fixed. This is not an optional feature in an online game with voice." [link]