And prior to his first actual appearance, "Irving Forbush" was a kind of unseen "Alfred E. Neuman" of Marvel.

Back in the mid-Seventies, Marvel had a Create-A-Character contest in their annual Calender...name the winning character (which, I believe, appeared in the calender the following year).

Was it the Fly ???
http://superdickery.com/index.php?op...&limitstart=91

No, not the Fly.

As an entirely wild guess... Torpedo?

Not Torpedo....

I want to say "Cap Universe", but I'm pretty sure he was a Mantlo creation... not like "Mandy" who was a Manilow creation or Cap Jack, who was created by Billy Joel and some people in the Alchol industry.

I'll say She-Hulk.

Not She-Hulk, either. For all I know, the fan-created character never appeared anywhere but the calender...I just thought there might be some other old-timers around who remembered it.
HINT: There have been at least two other Marvel characters who used the same name. Unlike the calender character, the others have always been portrayed as villains.

Charcoal??????

Also, Charcoal was from the mid to late 90s and was the result of a create-a-character contest from (I think) Wizard magazine. I have no idea as far as what potential legal entanglements may have surrounded him, though.

From Wikipedia;

Charcoal was created to be a villain, by means of a Wizard magazine contest. However, Wizard Entertainment failed to establish certain legal specifics in the language of their contest rules, leaving the ownership of the character's copyright in question (Normally in such a situation, steps would be taken to ensure that, unless otherwise stated, such a character's copyright would legally belong to the comic's publisher). Furthermore, Wizard Entertainment reportedly failed to provide the contest winner with other prizes promised along with the winning character's appearance in a Marvel comic. Feeling undercompensated, Charcoal's creator attempted to legally claim the copyright for the character from Marvel, who reacted by asking then-Thunderbolts writer Fabian Nicieza to kill Charcoal off and thereby remove the character from contention.

Wow...the poor guy sure got burned on Charcoal.

Blizzard maybe? There have been two villainous blizzards.