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We need more information. The sound resulting from a loose banjo skin would usually be described as dull or muffled but maybe not scratchy. Tell us more please and someone may have an idea how to help.
My guess is that you have a frosted Remo fitted. They do make a bit of a racket when the little finger moves on the head, until your finger wears all the frosting off that is, and that will take a lot of practising!
Try a plain Remo or a Renaissance... easy to fit and give a great sound.
I have a Remo frosted on my CE Regal but it sounds so nice that I put up with finger noise and the feel, which is a bit like sandpaper !
I have been playing on heads which are frosted on the inside for years. They're still available.