(❌pregnant) Nipple cracking/discharge

Au

Has anyone else experienced nipple cracking/skin tags/discharge when you’re not pregnant or breastfeeding? They don’t hurt at all (aside from regular cycle soreness) and everything seems “moisturized”, but one of my nipples has a skin tag that’s been there for many months and separation on the whole areola. I’m 17 if that helps at all. I can’t find anything through the web and I’m honestly scared to go to the doctor for this, especially if I can find out it’s harmless on its own. Xx