This has been discussed many, many times on many, many forums. The fact is you can't take the FJ Cruiser right from the car lot to the playground. It has to be prepared before you play with it. These stress cracks are usually caused by tires pushing up on the wheel wells one too many times. The way to prevent this is to install the appropriate lift kit for the type of off-roading you are going to do. Unfortunately, for you, you now have a body re-alignment problem. You should get it to a body shop and get is straightened out. (NOTE: Toyota will not warranty this condition.) Then get a lift kit installed to prevent it in the future. Good luck to you.

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