Looks like a cowlick. Plus you have dark hair and light skin which exacerbates this and the photo looks to have been taken under very bright strong light. Skin is often visible where the hair changes direction. If you were balding at 20, your hair loss is likely to have been aggressive and would have progressed beyond this by now, and you would be able to see a loss of density across a larger, more uniform, area.
If you need peace of mind see a dermatologist and make sure they specialise in diagnosing male pattern baldness.