This happened to me in October, and it took almost exactly a month to clear up. Someone had accessed my account, which I became aware of when the approximately 1500 Microsoft points I was saving for a rainy day suddenly got spent on Magic: The Gathering card packs and New Vegas expansions (neither of which were games I own.) I DID get 2 free months of Xbox Live for my trouble once the account was reactivated.
One correction to your article; you stated that players whose accounts were comprimised could not log in to their accounts at all to access saves; this is not true. While my account was under investigation I was totally able to sign in, play all my games, and all my saves were there; I just couldn't access any of Xbox Live's features. This made my playthrough of Dark Souls, which I had bought the week my account got snagged, really really boring without the cool online features. Still, I was able to play it, and all my other games, including my XBLA games; I just couldn't do anything that involved being online, like downloading DLC, Netflix, or multiplayer.