I would assume the road salt used on Toronto Roads could be a culprit also a few litttle run in with pilars in condos another. The car was also shipped overseas for a few years before it made it's way back to Canada and landed on my door steps.
This car isn't really mine. I'm just driving it as my beater till spring rolls around
I checked and the car is over 5 years old and all warranty issues are shot. As for the warranty and the issue of "holes" my dad claimed warranty with the rear fenders of our 89 Camry. The guy at the dealer poked a hole thru the fender so we could claim it