Rather than speculate, I went to my site logs and searched in this form:
GET /piwik.+?(file|local)
using both forms because I wasn't sure what I was looking for.
If you save a file to your local HD and neglect to delete the analytics code, then the site owner
will see when you access the file. (Knowing this, I always delete analytics when I have occasion to save a page locally.) The actual log entries were, of course, percent-encoded. I’ve decoded them to make it easier to read.
86.41.cc.dd - - [31/May/2018:17:44:55 -0700] "GET /piwik/piwik.php?action_name=Children of the Abbey&idsite=3&rec=1&r=310617&h=1&m=44&s=55&url=file:///mnt/120A52010A51E271/Mike_files/eBooks/children-of-abbey.html& [et cetera]
108.171.cc.dd. - - [14/May/2018:13:56:25 -0700] "GET /piwik/piwik.php?action_name=Clothing from Point Barrow&idsite=3&rec=1&r=571013&h=15&m=56&s=23&url=file:///C:/Users/US067127/Documents/2014 Clothing from Point Barrow.html& [et cetera]
79.64.cc.dd- - [11/Apr/2018:13:10:39 -0700] "GET /piwik/piwik.php?link=file:///ebooks/paston/&idsite=3&rec=1&r=558980&h=21&m=10&s=39&url=http://example.com/ebooks/paston/paston6b.html [et cetera]
Dunno about GA, but piwik/matomo records two different referers: the immediate referer (same as what's sent in the “Referer” header) that led you to the current page or fragment,
and the original referer that first brought you to the site on your original visit. Either or both of those could be a file:// rather than the more common http(s)://