Body ply failure. Could be a defect, or could be the result of over inflation or extreme under inflation, or a road hazard which "bruised" the tire on impact.
Given that it's relatively new, and if the outside presents is not very worn, I'd give you the benefit of the doubt and give you new tire. If I wasn't feeling all that generous, I'd charge you some nominal price for the use you got out of it, ie. about 5% of it's expected life. Then thinking that it's not worth coming off like a piker for the lousy 5%, I'd go back to giving it to you free if you asked nicely.
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