I have been in the jewelry biz for over 5 years. Titanium rings WILL scratch, and actually scratch very easily, tungsten carbide rings are the only true scratch proof rings. As for the irritation under the ring, I have seen just a couple of causes over the years of someone breaking out from the titanium, it is more likely that it is from moisture or bacteria under your ring, stop wearing it till your finger heals, then make sure you clean and dry it very well before putting it back on, if it happens again try coating the inside with clear finger nail polish. Good Luck.