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Tinea versicolor? Flat warts? Help!

Hello! I have been dealing with a recurring rash that seems to pop up when it is hot out and in areas where there is friction from clothing. It seems to go away if i use baby powder and wash it thourougly to dry it out. But why does it come back constantly? I am concerned it is HPV. If it is, it is contagious. If it is Tinea versicolor, its not. Photo attached, its as clear of a photo that I could get. Thank you so much for your help.
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