I actually have a very similar issue, but I've only recently pinpointed it and changed a few things in my hair care routine, so I'm waiting to see what happens in 6 months from now. So far my guess is - sun damage and elastics (I wore my hair in a ponytail 24/7 for years). It has to be environmental or mechanical, because it's really only the top layer of my hair that does this. Those kinky hairs of mine are really crazy looking compared to the rest of it. So I've switched to braids and one stick buns, I made a satin pillow case to sleep on, but I'm still trying to figure how to protect hair from sun and wind.
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