Here's an error that I would say is actually a legit variation, since there were so many of these. I've seen a bunch of these at retail when they first came out, and their numbers at the time appeared pretty substantial -- it definitely seemed like over 5% of all Janeways that came with the Torres card.
What's more, inside you'd get like two or three Skybox cards, and one of them would be Torres and the other Janeway.
There are still a lot of these on eBay, so they're not even all that rare -- that's how many of these are out there. Of course, we can only really judge their percentage from what people saw at retail, and it was pretty substantial how many of these were shipped this way. Perhaps as many as 1 of 10.
However, the Torres figure itself did not have the issue of having other characters' cards -- at least I haven't seen one that I remember.
Just how valuable are these? ::sigh:: There are so many for sale now that... I can't really say that they're worth more than the normal Janeway, despite sellers wanting like 3X money. Of course, Janeway itself is now a hot figure, and had been for a few years.