How do you question the actions of a supposed hero?

How do you ask if anyone witnessed a possible crime if you believe you were the only one to notice it? If you happen to be at the river and some young tween gal falls into the water off an inner tube and was not a strong swimmer and started to drown. Bodies pour into the river to help her, a young 20something woman gets to her 1st and hauls her ashore. The woman says she is an off duty life guard and an EMT. When positioning the gal and repositioning her she places one arm in back of the gal’s shoulders but the other hand appears to go between the legs into the crotch, and when she is giving the gal mouth to mouth Ms. 20something appears to be fondling the younger gal’s breast. Seeing the 20something gals just saved the tween and appears to be the hero, Johnny on the spot, would you dare mention what it appears she was doing when no one else seem to have noticed in all the excitement but you? Or maybe it was the commotion that make what may not have happened appear to happen? But, what if it really did happen and you were the only one to see it? Do you say if it happened the tween girl won’t remember it anyhow and she is alive so lets be grateful with that? They say eye witness accounts are usually 40% wrong around about so if you saw that how could you be sure you were right? And if you can’t be 100% sure is it best not to say anything given no one would believe you because she just saved a life?