Welcome to healthcare magic.
You have pigmentation over inner thighs and buttocks. I guess you don't have itching there as you didn't mention it. If itching is there i will recommend you to treat for fungal infection
It looks like you have Acanthosis nigricans
. It is usually seen in slightly overweight
individuals. Weight reduction will be the best treatment in your case. You may also try a cream containing kojic acid
twice a day. You may continue the moisturizer, i will recommend an aloevera containing moisturizer.
Hope this helped