Hello,
I cannot confirm anything without examination,but it sounds like intertrigo. An intertrigo is an inflammation (rash) of the body folds.It most commonly occurs due to bacterial,viral or fungal infection. An intertrigo usually appears red and raw-looking, and may also itch, ooze, and be sore.
Pls keep the area clean and apply some topical antiseptics. Also wear loose-fitting cotton clothing and use an antibacterial soap or mild soap like dove.Avoid any kind of cosmetics.Topical zinc oxide cream like Sudocrem, Desitin are very helpful(apply with a paper towel and not directly with hands).Application of mild steroid cream like dermacort also helps.For the itching pls take some over the counter antihistaminic like benadryl or Claritin.In case the symptoms persist then antifungals may be needed.Pls consult a dermatologist in that case.
I hope that helps. Take care and pls do keep me posted on how you are doing or if you have any additional doubts. Kind regards.
Tinea infection affects the folds.Candid powder should help.Rule out diabetis.