I recently bought some cheese, forgot it in the fridge for a couple of weeks, and when I pulled it out - it was covered in white coating. At first I wanted to throw it out, but then I read that you need to check the smell and what the coating looks like. Turned out it was just regular mold from improper storage, not the noble kind that's supposed to be in camembert or gorgonzola - it smelled sour and gross.
The main difference is that "proper" mold on specialty cheeses looks nice and has a characteristic smell (sometimes even ammonia-like, but pleasant), while accidental mold from storage is usually random, with spots and a weird smell. If the coating is just white and even - check the smell, and if it seems fine - you can carefully scrape it off with a knife and keep eating. But if it smells musty or seriously unpleasant - better not risk it.