Yep, 38mm offset is the culprit.
Is the tire rubbing the metal fender itself, or the plastic inner fender liner? Look at the edge of the tire where the sidewall meets the tread. Are there any marks or cuts on the tire sround this area? If so, it's the metal fender lip. If the fender liner is rubbing the tires, you will be able to see where the tire has "burned" against it. If so, you can probably just cut this out on the affected spots.
word.
