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Sounds to me like it MIGHT be a parasite problem. You should post some pics for us to see and fill out that form. I would suggest taking the chameleon to a vet before it gets worse.
Before suggesting that, I would first find out if anyone on here has seen similar. It might not require vet care at all.... Post a pic and see if someone else has had the same thing happen to their chameleon first. Maybe they can tell you what it us. I am not saying you are wrong, but lets see if the forum can help first!