The difference in your experience from that of your neighbor is not a case of racial discrimination. Even if this afflicted more black people in general, a racial disparity in the impact of a policy is not evidence of it being systemically racist, so would not validate the claim that the US is systemically racist toward black people.

This can be trivially demonstrated: ten times more men are arrested and incarcerated than women, yet no one would claim this suggests the US criminal justice system is systemically sexist toward men.