We know that in yogurt fermentation, not all of the lactose is consumed by the lactic acid bacteria (primarily Streptococcus thermophilus and Lactobacillus bulgaricus) fermenting the milk, though the remainder of the lactose post-fermentation continues to decrease with storage time.
However, recently I came across this paper that showed an interesting way of hydrolyzing lactose in milk - which was by using a "cell catalyst"-ie, Streptococcus thermophilus (one of the yogurt fermenting bacteria above) treated with nisin A, a peptide produced by Lactococcus lactis, which evidently causes the cell membrane of the Streptococcus thermophilus bacteria to become permeable, thus allowing lactose molecules to enter the cell and get exposed to the lactase enzyme present inside the cell, thus hydrolyzing the lactose.
Now, nisin A is produced by Lactococcus lactis pretty much as it is allowed to incubate in nonfat milk (table 3, entries 1 and 2) which should not be that different from incubation in whole milk.
Additionally, according to this paper, "Two seasonal samples (winter and summer) of raw milk were obtained from six farms in two areas (Bessin and Bocage Falaisien) of Normandy. All of the strains analyzed had a Lactococcus lactis subsp. lactis phenotype" - in other words, Lactococcus lactis is found in raw milk.
Moreover, Streptococcus thermophilus "is ubiquitous in raw milk".
All this should support the hypothesis that since both Lactococcus lactis and Streptococcus thermophilus are present in raw milk, if the raw milk is left to ferment (clabber) at room temperature, as both of these bacterial species grow, the former should produce nisin A to permeabilize the cell membranes of the latter, which should produce cell catalysts with lactase activity thus hydrolyzing the lactose in the milk.
However, from personal experience, being a lactase non-persistent person myself, I have found I get the typical symptoms of lactose malabsorption (bloating, gas etc) after consuming clabbered raw milk left to ferment for 4-5 days. This does not happen if I add a few drops of commercial lactase enzyme drops to the raw milk before the fermentation period begins - indicating that my lactose malabsorption-like symptoms are indeed due to lactose present in the clabbered raw milk.
Thus, the lactose is not likely getting hydrolyzed as the hypothesis above would suggest - which begs the question - where does the hypothesis go wrong?