that looks like eczema and severe dry skin.
I would try 1% hydrocortisone cream on the area twice a day for 2 weeks and see if it helps.
a dermatologist would have stronger prescription steroid creams than over the counter hydrocortisone cream.
dermatologist would try creams first and see what responds and go from there.
most likely no need for tests or biopsy at this point.
let me know if you have other questions.
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