its been going one once a day without fail for about a week now
98% of the time it happens on "loading screens" generally while the ships either moving. or TRYING to move in orbit.
Its happend in PvP changing maps..
story mode just after the results screen..
several times during the strike playlist....
once its happened in a loading transition on a sparrow from one area to another.
this lock up causes the entire PS3 to become unresponsive and have to be hard reset.. giving the "system was not shut down properly and will be scanned" message.
EDIT
i forgot to add that often when i lock up and have to force restart.. at least one other on our fireteam has the same issue at the same time.
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First make sure the system is not overheating, that generally locks the system up. Also make sure it's in a well ventilated area, if it overheats enough you will get the yellow light of death. Mine froze up twice but and I air vented it until it was cooled down before using it again. An extra fan helps.