thats more then likely the cause of this issue, but phosphate can climb in aged water, not just straight from the tap. So of all the possible issues combined its no surprise that this is happening. A clean source of water and more movement in the tank, better maintanence will help solve the issue. In time, i have seen it just clear up also, but i wouldnt count on that. Start doing more water changes or larger water changes and you should see it clear up a bit. add more power heads if you can, and remove it manually for now, until it resides. Removing it prevents it from spreading, and takes some of those phosphates and nitrates with it, being thats the bacterias food source.