i too have gotten that file a few times, it seems to be the address book, and it seems to be generated by outlook express for me, didn't really check into why, did a virus scan and it was clean and i got it on fresh installs of XP.
very odd
after some more checking, it is a bug in OE, and it is the address book as i thought, we are awaiting a patch from MS
I believe this patch caused it, check your IE see if its listed as a patch, though i dont recommend removing, it plus i think its a registry entry so it won't go away anyway.
http://www.microsoft.com/windows/ie/...94/default.asp
not sure if its been fixed yet.
Its the address book backup, its going to the desktop ~ file instead of the correct backup, either delete it or if you want the backup to work move it too
C:\Windows\Application Data\Microsoft\Address Book
using your login name as the filename ie charlie.wa~.