I like the discussion and analysis at http://forums.techguy.org/digital-photography-imaging/584979-solved-wierd-thing-jpegs-2.html where they found the PPI was over 32,000. That's a strange thing to do and could cause Vista to go wonky.
You can debate if Vista should or should not be wonky on such a thing but I see this as yet another "Why Vista?"
HP8100e AMD Athlon X64 dual core Vista Ultimate32 bit (SP2)
HP551w Intel P4 1.6Ghz XP Home SP2
HP8662C AMD Athlon 550Mhz Win 98 SE
Cameras: All Canon's model 620,720, 102IS, SX20IS
1)All camera's connected to computer via same USB cable
2)All pictures downloaded with ZoomBrowserEX (furnished by Canon)
3)All pictures with ZoomBrowser EX. Did not view them large scale. The pictures on the screen visually showed no corruption.
4)All pictures then viewed with Microsoft Picture Viewer
5)Step 4 repeated at least 5 times.
Corruption only happened with Vista. Corruption is permanent.
Although random, either the picture was overlayed with a masking color of either(blue/red/green). The mask was like you'd layered a tint wheel over parts of the picture. The second problem was shifting mid way, the right portion shifted down 2-3 pixels.
This corruption also happened to pictures dated as far back as 2001. I had attached an external drive (saved under Win98SE and XP) to the Vista machine to view my grandkids pictures.
Luckily most of those are on CD, so I can restore them.
This has been discussed on Microsoft's homepage as well.
Possible solution with Vista: Will experiment with Fileaze, thinking that changing the file attribute to "Read Only) immediately after the loadload process (Not viewing them) should stop the re-write.
Why I say re-write? Because when the files are copied to a test CD with Roxio Creator (Basic) the verify process denoted file corruption. I suspect the re-read comparison feature (reading the base file and comparing it to the written CD is again a Vista OS "read" of the file. And, on this read the file gets corrupt on the hard drive, not the CD.