Young lady
Understand your problem and empathise with you.
It definitely is an issue for a Dermatologist as opposed to a Gynecologist.
Note you mentioned you are not active currently nor married. Has there been any activity in the past and if so, some blood tests may be in order.
Your basic underlying issue appears to be dryness of the skin and needs to be addressed. Stressors often play a role and perhaps a closed door discussion on that with one of us or a counsellor may help more.
Next Steps
Online Consultation please to go into the history a bit more and make specific suggestions tailor made for you
Health Tips
Avoid excessive douche/intim washes or soaps 🧼 and switch to cleansers while bathing
Clip and file nails 💅 to avoid inflicting further damage while scratching.
Antihistamine (sedative once daily) may be an useful adjunct
Moisturizer of choice