Hello,
It can be a skin tag, cyst or a genital wart. Other possibilities are a benign skin growth or a scar tissue.
Diagnosis of genital warts is usually clinical, made by visual inspection. Genital warts can be confirmed by biopsy but Sometimes we can use an enhancing technique called acetowhitening. This technique involves the application of 5% acetic acid solution to the area of suspicion for about 5-10 minutes. Infected areas will turn white.
You should be getting it looked at by the dermatologist, they are the experts in the field and can diagnose you visually, if however they are unsure they can do a biopsy and you'll know for sure then