There may be phosphate in your source water; test (assuming you have this test from what you've posted) and report.
Second, what is the substrate composed of? If it is a plant substrate it may well (unfortu nately) be part of the source. Inert sand or gravel would not be.
Phosphates also occur obviously from feeding the fish. Inmost cases, a low-tech or natural planted tank will have more than sufficient phosphate for the plants just from fish food.
Plant fertilizers may have phosphates, do not use these, as there is no need for it.
I would hope you are not over-feeding the fish such that this is the source, and I would hope you are not using a fertilizer containing phosphate, so that leaves the substrate and probably most likely the source water.