Yes, the smell is usually attributed to mold and mildew and the disinfectant route is usually recommended. There is actually a product BMW uses as this is a common complaint to service departments. It has also been recommended to turn off the AC a few minutes before you stop the vehicle to let things dry out but I know where you are so that ain't an option unless you want to arrive sweaty.
THIS could help out in the process.
Then again, maybe you're smelling the Salton Sea.