Cottage Cheese
A fat, ugly, and old white guy who can't stop downing the big macs and weighs a hundred pounds, which makes his skin look all saggy. So it looks like cottage cheese.
Example 1:

Guy one: Ew look at that fat guy downing big macs!
Guy two: He's got some major cottage cheese.

Example two

Guy one: OMG! that fat ugly white guy in the speedo has some major cottage cheese!

Guy one: That fat ugly 