Her story sounds perfectly correct. Tinea versicolor is what it's called. The fungus lives in the follicles, but you can't always see it. It is not the same kind of fungus as foot fungus, bit does respond to the same creams, although it can take a long time for the light spots to even out. It is not contagious. It is very common and could happen to anyone. Even you. But not from catching it from her.
Best.
Dr. Rockoff
Regards,
Abdul Rauf Kashmiri
E-mail address: ***@****