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Gotta be moisture or something to that effect. When using the AC, I always try to turn it off the AC and run the fans only before I get to my destination for that last minute or two to vent out the system. I've been told to do that from a mechanic years ago and I never had issues with moldy smell.
Yah I've already replaced both filters, and it is odd here in AZ. My guess is its being set on Recirc all the time is causing it to get some condensation. I'm going to try to let it run for 15-30m on fresh air and see if that clears it out. Ozium should have done it though...