What is this?

So I’m 34 weeks and out of nowhere I get this horrible chaffing feeling in this area. It’s actually making discharge and smells pretty bad. And it’s only in the area circled so please don’t tell me it’s a vaginal infection. My actual vagina has no nasty smell or not normal discharge my actual vagina is healthy. A side from that this thing really really hurts and smells I have no clue why it start happening but it almost just feels like my skin is cracked. I also haven’t used any new soap or products.