Thank you for the picture.
Unfortunately, even when I zoom in the lesion does not show up :-(
That being said, whatever it is, it has nothing to do with the toilet water getting on the area or any reaction to the toilet cleaning solution.
So. What should you do?
Since over the counter creams have not worked the next course of action should be to consult with your GP. She might want to refer you to a dermatologist.
After examining you the dermatologist might want to do some specialized testing such as a skin scraping or even a full thickness skin biopsy.
Once the underlying issue is found then correct (most likely prescription strength) medication can be used to clear things up.
Does this make sense to you?
It's safe for you to press the positive feedback button now if you so desire. And, never fear, even after you press that button I'll still be right here to continue helping you, but, as I do work for tips, I want to make sure you are happy before rating me.
Dr. Rick MD FACS