I'm afraid I can't tell you without seeing it. This could conceivably be a form of eczema or perhaps a fungus infection, but these are just wild guesses. You should see a skin doctor, who may want to perform a test such as a skin biopsy. On the other hand, he or she may be able to tell what it is just by looking. After all these months, you really owe it to yourself to have this looked at as soon as you can arrange it.
Best.
Dr. Rockoff