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This may simply be a harmless spot of excess pigmentation, but it would probably be a good idea to have it looked at by a doctor, just to be on the safe side. It is always advisable to look into any unexplained changes in your skin, such as birthmarks or lesions that suddenly appear, as they may be an indication of cancer. This does not really seem to be anything of the sort, but as mentioned, it is better to be safe than sorry, especially since cancer is best treated in the early stages.
You could be suffering from some sort of fungal infection of the skin, although the dryness is not really characteristic of such infections. What is more likely is that this is a sort of skin rash, perhaps an eczema. Eczema usually results in dryness in the affected areas, and can be caused by a variety of factors. There are several different types of eczemas, and the causes of each type are rather different. With some types of eczema, the causes are not even clear, and seem to be related to hereditary factors and the immune system. Whatever the case may be, getting rid of the dryness is quite simple. All it takes is regular moisturization of the skin using a suitable moisturizing lotion or cream. The best time to moisturize the skin is immediately after you have bathed, as the skin has already absorbed a lot of moisture. Applying the moisturizer at this time helps the skin to retain the moisture that it has just absorbed, and is therefore doubly effective against dryness. In very severe cases of dry skin, thick creams are needed, or special emollients such as aqueous cream may be necessary. However, since your dry skin problem does not seem to be particularly severe, a thin lotion should be good enough. If this does not seem to be enough, you can start using a thicker cream, provided the lotion was at least marginally effective. If the lotion is completely useless, then the problem is not fundamentally related to dryness, and the cream will also be useless.
You should consider whether the mark is simply due to frequent irritation or friction with some object. This could be a shoe buckle, a rivet on your jeans, or anything similar, which is usually ignored till it really troubles you. The constant friction could be causing both the coloration and the dryness.
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