My Xbox got E74 more than a year ago, and I have not had one since. I have not played on my Gamertag, nor have I even signed in other than rare cases where I wanted to check my achievements here on Xbox.com. We cancelled the Gold Membership on 8-14-11 and, and have had no problems since.
Now, today, 10-24-11 at 7:48AM, my bank account was charged $125, and about 10,000 microsoft points had been added to my account, 5,000 of which were immediately spent on DLC for Fifa 12, a game that I have never owned or even played. I've already changed my account password for Windows Live, but since I don't actually have a console, I can't recover my Gamertag.
I honestly hope that Microsoft doesn't expect me to pay my hard earned money for something that I did not buy, will not use, and CANNOT even use to begin with.