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I just had this happen to me.
We have a weird changing room by our pool, at least the men's one: it's arranged so that when you come out from behind the lockers to go to the shower, you walk right past the entrance door. And some weirdos constantly leave it wide open.
So, as you can guess, I was caught naked lol. But the point isn't that, but that it was a loli. She's standing there in front of her changing room (the door to which is also wide open) and looking into the men's changing room, she's completely out of it. So I walk out, and I'm like, "lol." I tried to cover myself with a washcloth on the go, but it didn't help much, and it was too late anyway. And then I hear a loud, almost piercing, squeaky girl's laugh (she probably ran back to her changing room). Now I just have to find her and punish her for her audacity :3
She was probably around 14 years old (not that small of a loli) or a little younger. They're already sometimes such depraved girls at that age, and I really don't like that -_- (but I'm not saying that this one was like that).