Mold grows at 70% RH and above, or in standing water when any organic matter (dust) is present. If you have ever had people in your car, then there is dust in your car's ductwork.
Living in the swamp, I have found it's better to keep the air either full time recirc, or full time fresh air. Switching from fresh to recirc is OK. But switching from recirc to fresh is bad if the system has been running.
Here's why: When you use recirc, the cabin air gets very dry and ductwork cools way down. When you suddenly move to fresh, you pull in lots of humid air, which may not all condense on the evaporator coil. What gets by the coil sometimes shows as a mist coming out of your vents, but definitely will condense on the inside walls of the ductwork. Then mold/mildew/etc. grow in your ductwork, especially if the duct is shaped such that it cannot drain back to the evaporator chamber and down the drain pipe, or you live in humid climate and like to park in the shade where the HVAC system will never get a chance to dry out on it's own or bake-out in the sun.
If you do insist on using fresh air, say for cooling the car rapidly after sitting in the hot sun, or to avoid the sleepies on a long drive, then switch back from fresh to recirc a few minutes before you end your drive. This will help dry out the ductwork and dry the air inside the car.
Some cars and makes are better than others due to system design and choice of materials. My old Toyota 4Runner was horrible with this, even with full-time recirc and sitting in the sun. My wive's solara is not much better. My Honda accords were perhaps the best, and my 09 and 12 Gennies were/are better than average.
Your dealer's service department can remove the cabin air filter, and run the system while spraying some HVAC disinfectant into the intake to kill off the beasties. This should fall under the 12-month "adjustments" warranty.
Bottom line: to avoid the
Primordial_Ooze_in_the_HVAC problem, always use recirc.
