This IS mold and there's no stopping it unless you kill it with a product called KOOL IT, it's expanding foam that is injected into the A/C chamber from the drain tube under the car. With that said this service is not for the shade tree mechanic, because the foam expands into the system it has to be done in a very controlled way. If you put too much in it can get into sensors and other electronics and destroy them, that's why it should be done by a qualified individual who knows how to do it properly, I usually take mine to the dealer but I use to do mine myself, I'm just not brave enough to do this on my new corolla. In order to keep your ac as clean as possible, you should always turn off the ac and let the fan run about 15-30 seconds before you turn off the car, this will help keep the chamber dry and will minimize the amount of condensation that stays in there. Condensation is where the mold comes from ( water in a warm enclosed area is a breeding ground for mold ) I have asthma and air Bourne allergys so I have to do this religiously. I always use the recirculate on the ac and allow the vent to dry the chamber before I stop, it has served me quite well over the years. I hope this helps to make your inside environment a little better.