I'm recieving this message before the title screen. It prompts me with a "Yes" or a "No" to delete my file. If I say "No", it won't let me procede to play.
This is very interesting since I've never tried to cheat, modify, or alter my character data. I have also never used the "dupe" bug or done anything that would cause corruption. I've always quit/save, too.
The last time I played I got disconnected from the server when logging on. I was disconnected right after the dial-up screen, but before ship select.
I believe this is what corrupted my character. If you're disconnected at a certain point when logging on, it can damage your character data. This is a PSOv1 and v2 bug that apparently hasn't been fixed.
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