Thanks for the query. This appears as a fungal infection based on the photograph you have provided. Fungal infection is very common and was very easy to treat. With rampant usage of antifungals, the fungus has become stubborn. There are various ways to deal around the situation but first see a Dermatologist for reestablishing the diagnosis. Once confirmed, treatment can be initiated.Avoid self medications with any creams. Don't worry it will resolve for sure if you correctly follow the recommendations. Hope it helps you.