MaterialsDude,
If your heat exchanger tube has liquid flows, then the surface corrosion you are seeing is more likely due to cavitation and not fretting. The cavitation pitting occurs when the local surface fluid's temperature and pressure are such that boiling occurs. As the vapor bubbles rapidly expand and collapse on the tube surface, very high pressures can result. If the pressure are high enough and/or occur enough times, the tube surface will eventually fail in compressive fatigue. The result of which is the surface pitting (or more correctly "spalling") that you see.
This same cavitation erosion is commonly seen on the liquid cooled surfaces of diesel engine cylinder liners. It is understood that the fluid cavitation is mainly due to the cylinder liner wall vibrating from internal pressure spikes each time that cylinder fires.
Hope that helps. I know a bit about engines, but not much about heat exchangers.
Terry