Hi, I can understand your concern for moist skin on the thigh causing pain. There can be multiple possibilities of the moist skin and it requires a close physical examination to diagnose the exact entity of the problem. In my view correlating with the facts you have provided it appears to be fungal infection too. I suggest you to meet a dermatologist to for proper therapy. In between you should wash the area properly. If I were your dermatologist then presumptively would have preferred to apply an antifungal cream such as clotrimazole or miconazole. You can take an antihistamine such as loratadine for once a day if itching is present. All the best