D.W.
Apergilus Niger is a potentially toxic black mold that is common in households. Without taking a sample and identifying under a microscope, it's almost impossible for anyone to confirm exactly what it is.
Be cautious when selecting products to treat mold/mildew. If you look closely at the label, most say they're "Mold and Mildew STAIN removers" which is much different from actually killing the mold/mildew. There are some molds (dry rot) that have absolutely no treatment.
Thanks, Dr. Michael Tansey @ Indiana University, for being a great Mycology instructor.
I'd contact a heating/AC company, see if you can get a free estimate and get their opinion on a diagnosis of the problem and how it may affect your family.
Good luck!