Sounds like when I borrowed dad's '03 CTD to run out to the farm. He'd only had it about 4 months and I was rompin on it pretty good.
Before I left I was doing the normal underhood inspection I do, noticed the fileter minder pegged in the red
Figured it was my right foot, opened the stock air box.
It had a quarter inch thick layer of dust on about half the filter.
He had a lube place "replace" the filter like a month before that. I hate these places. I've heard of them keeping k&n drop in filters by telling unsuspecting "new to them" car owners that got lucky enough to get a used car with one. They tried that on a girls Mustang in high school, she knew better.