UCC Document Community

Thanks for posting this question - I'm dealing with something similar and this thread has been really helpful. Sounds like the consensus is to use the original debtor name exactly as filed on the UCC-1.

This is such a common issue and I appreciate everyone's input here. I've been handling UCC filings for about 8 years now and I always tell people - when in doubt, match the original filing exactly. The termination statement is essentially saying "we're releasing the lien that was created by UCC filing #XYZ" so it needs to reference that exact filing. The name change documentation belongs in your loan file, not on the UCC-3. One quick tip though - after you file the termination, run another search in a few days to confirm it processed correctly and the lien status shows as terminated. I've seen cases where filings got rejected for minor formatting issues and the filer didn't realize it until much later.

Has anyone tried the Nevada business entity search as a workaround? Sometimes you can find UCC filing references in the business entity records, though it's not comprehensive.

I've been dealing with this same frustration across multiple states recently. One thing that's helped me is building relationships with local UCC search companies - they often have bulk rate agreements with state offices that individual practitioners can't get. In Nevada specifically, I found a search service that charges $3 per name search instead of the $5 direct rate. Not free, but it adds up when you're doing volume work. Also worth noting that some title companies still have legacy access to older search systems with different pricing structures if you're working on transactions that involve them anyway.

One more thing - if Kabbage continues to refuse fixing this, you might want to file a complaint with the CFPB. They take UCC filing errors seriously especially when they affect borrowers' ability to get other financing. Sometimes regulatory pressure works better than customer complaints.

This is exactly the kind of situation that makes me anxious about online lending platforms. The fact that they're dismissing a comma as "not their problem" when it's clearly affecting your ability to refinance is infuriating. I'd definitely follow the advice about escalating to their legal department and citing UCC Section 9-506. Document everything in writing and set firm deadlines for their response. If you're on a timeline with your refinancing, you might also want to loop in your new lender's attorney to put pressure on Kabbage - sometimes lender-to-lender communication gets better results than borrower complaints. Keep us posted on how this turns out, as I'm sure others will face similar issues with automated UCC filings.

Update us when you figure out the correct name format! This thread will be helpful for others dealing with Brookvale Group or similar entity name variations.

I've dealt with similar debtor name verification headaches! One thing that's helped me is requesting a certified copy of the entity's current Articles of Organization directly from the Secretary of State - not just relying on online searches. The certified copy shows exactly how the name appears in their official records, including any punctuation. For your Brookvale situation, I'd bet the correct name is "Brookvale Group LLC" without the comma, based on what you're seeing in the charter. But that certified copy will give you bulletproof documentation for your lender's compliance file. Worth the $10-20 fee to avoid a $2.8M deal delay!

For what it's worth, I tried that Certana.ai tool mentioned earlier and it was pretty helpful for checking my UCC documents. Upload the PDFs and it flags inconsistencies automatically. Saved me from having to manually compare everything line by line.

I'm dealing with a similar situation right now - bought a car through an online dealer and discovered multiple issues with the UCC-1 filing. The debtor name has my middle initial wrong AND they filed in the wrong state (used my previous address instead of current). It's been a nightmare getting them to take it seriously. Reading through this thread has been really helpful - definitely going to push harder for that UCC-3 amendment. Has anyone dealt with cross-state filing corrections? Wondering if that makes the process more complicated.