I make a lot of bread at home, and bread in an airtight container, at room temp, goes moldy within 48 hours where I live. I can imagine this wouldn’t happen in the fridge.
Store bought bread follows its own rules though. Given the sheer quantity of additives they have.
Where I have lived, if you put traditionally made bread (just water, salt, flour and yeast) in an airtight container at room temperature it’ll be covered in mold within a day or two.