petri[.]com/paul-thurrotts-short-takes-august-28
I 1st heard of this today at the above link, but if you Google on "Windows 10 2004 trim" [w/out quotes] or similar, you'll get lots of hits with various levels of info. This has been reported in forums apparently since April-May, 2020, but I've never seen it on the larger Windows sites. Yikes!
If you have System Restore turned on, Windows 10 will run a defrag -- yup, a defrag -- on SSDs once a month. VSS [Volume Shadow Copy] apparently has problems with badly fragmented SSDs. The problem is that Win10 2004/20H1 doesn't record that it's already run that defrag, so it'll run it again every time Win10 starts. Again, yikes.
You can turn off automatic optimization in Settings -> System -> Storage -> Optimize Drives, which will effect all drives, or right click a drive in Windows Explorer, go to Optimize and defragment drive on the Tools tab... there you can turn auto optimization on/off separately for each drive.
Normally in day to day operation Win10 optimizing an SSD means running TRIM. Windows running TRIM is a sort of failsafe in case an SSDs built-in TRIM scheduling doesn't do the job, so having automatic optimization turned off for an SSD shouldn't matter much at all.
That all said, Microsoft has come up with a fix for the problem -- they just have to add it to a future patch or update.