Test if whitish chocolate has bloom or is spoiled
It is is almost impossible for chocolate to mold as it doesn't have any moisture, required for mold growth.

There are two types of bloom:

Sugar bloom -- wipe the chocolate with a wet finger, it will dissolve.

Fat bloom -- wipe the chococolate with a dry finger, it will feel waxy or greasy

Either tends to look like a chalky coating, not very thick, definitely not fuzzy (like mold).