Character Practice & Terminator Problem

I've been practicing character imports, materials, sculpting, and hair.  Hair is really fun.  If I use this model I'm going to want to work on the dick a little bit more though.  I also named this character since I think I should start doing that.  I came up with 'Maev'.  Maybe like a royal or a pagan or something.  Definitely 'evil'.

I ran into a really interesting/frustrating problem while working on this model though.  I think it's called the 'Terminator Problem'.  Basically even though I use a subdivision modifier, I still get these polygonal-shaped shadows on the mesh.  You can actually see it on her left hip in this picture.  Those aren't compression artifacts, those are lighting glitches.

I've tried a bunch of stuff to fix this and went through a lot of advice but none of it has worked.  If anyone knows what might be the problem then give me a heads up and I'll post another image where it's more apparent.