Dry skin

Has anyone here had dry skin in their pubes? I don't believe it's from an sti like chlamydia or gonorhea cause I hate unprotected sex and I also believe it was there way before I started having sex again and it's scaring me. My pubes always get very hot and the creasing where the underwear is makes it worse. I feel like I may have an infection because it spreads but I'm scared because I don't want it to get worse and I don't want to tell my mom because she may think I'm having sex. Has this happened to anyone before please I'm really concerned