I have like an ashy part between my hangover stomach and by my pubic hair and I'!

I have like an ashy part between my hangover stomach and by my pubic hair and I'm a male. What is this?

I'm overweight and never had any sexual contact. It's like an oval shape area that is half on my hangover stomach and half by my pubic hair. It's real ashy and when I scratch it just falls like flakes but their is still like a dark spot that show you that it's there when I put lotion on it. Can anyone tell me what this is and how or if I can solve this problem?
Please mo joking because this question is really important to me.

It may be a fungal infection similar to 'jock itch'. The overhang area may trap moisture and sweat and causes the fungus to form there. An anti fungal powder or cream may be used to treat this, but consult a physician to be sure what the problem really is.