Problem with my tree’s trunk?

See the attache pictures. Is there an issue with my trunk? I’ve had this emperess tree for a about 3 years. It was 3” trunk width when we got it, about 6” now. There was no noticeable signs of damage when we bought it. I just noticed the bark is falling off Near the mid to bottom of the trunk & the bark looks “stretched”. Behind the bark I can see the trunk and it looks like it’s been scarred and the trunk is growing around itself. Is this normal, should I be concerned about anything?

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