Is there a fungus on my fingertip?

On the pad of the tip of my right middle finger there is a patch of hard, peeling skin. It always looks a little wrinkled and is less sensitive to touch than my normal fingertips. When soaked in water, the skin doesn't wrinkle like my normal fingertips do, but the very tip of that finger (which isn't hard or peeling) wrinkles normally. It doesn't itch at all, but if I try to pick off the peeling skin I immediately hit the dermis so it hurts for a few days until the epidermis forms again. This has been this way for a few weeks. So far, it hasn't spread to any of my other fingertips and none of my family has complained about similar symptoms. Any clue as to what this is?