White lump on the body can be due to multiple causes. The first and foremost question one needs to ask is whether it's painful or not.
Because, most of the infections are painful, If it is painful, it could be multiple things, like a bacterial boil because of the bacterial infection, or sebaceous cyst, oil secreted from all glands collected under the skin. If it is painless, the white lump could be the collection of fat under the skin, which is absolutely benine, you don't need to do anything. It could also be there are other tissues which can grow in the skin, like fibroma. This needs to be diagnosed. Generally, if you see white discoloration on the back, or the neck, it may not be a lump, it could be a regular fungal infection.

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