Area in question. Drivers side, right below the recess in the metal.
This is the view from the top. It appears the body, right under the recess is bulging out ever so slightly. This would make sense if it started to tear from the top.
I have no aftermarket bumper. I have stock size bfg ATs and Donahoes up front. It's only lifted 2" at the most. Just enough to level it out.