Why are my koi losing scales and goldfish have white head bumps?

This could be bacterial or parasitic infection. It is difficult to determine definitively since the image provided is not clear. Fish can be difficult to photograph.
Basic care includes checking water quality and chemistry. This can be done using a home test kit or by submitting a water sample for testing. The local Petco may do this for free or for a small fee. There should be an absence of ammonia and nitrites with nitrates at 20-60 ppm. pH should be as close to 7 as possible, avoiding large swings. Koi can tolerate a wide range in temperature, but generally do best between 65 F and 75 F. Again, avoid large swings in temperature to prevent stress or shock. If necessary, a partial water change can be done to stabilize chemistry and/or improve water quality. If you have other koi, consider placing this one in a hospital tank to make treatment easier and to prevent spread if the condition is infectious.
Plain aquarium salt (NOT table or Epsom salt) can be used to reduce stress, improve gill function, treat minor infection and aid in recovery. Dissolve 1 tablespoon per 5 gallons of water in a cup or two of tank water and gently pour it into the tank. Treat for 14 days then reassess the condition. If there is no change, consider a broad spectrum antibiotic or "all in one" treatment. Either can be found in the Aquarium section at Petco. Follow label directions carefully and remove the carbon filter insert during treatment if indicated.
All that said, if the spots multiply and appear like tiny grains of salt, it could be an ich infection. In this case the entire tank will require treatment. There are several commercial ich medications that can be used. You will also need to thoroughly vacuum the substrate/gravel in the tank and wipe down all tank furniture.