UCC Document Community

This thread is really helpful! I have a Cross River Bank deal coming up next week and now I know to verify the debtor name independently. Thanks for sharing your experience with this rejection.

I've dealt with this exact scenario multiple times with Cross River Bank filings. The punctuation issue is unfortunately very common - I've seen rejections for missing commas, periods after "Inc", and even extra spaces in entity names. What I've learned is to always pull the debtor name directly from the Delaware Division of Corporations database and copy it character-for-character, including all punctuation marks. Their search function will show you the exact legal name as filed. For your situation with "ABC Manufacturing Solutions, LLC" vs "ABC Manufacturing Solutions LLC", definitely go with the comma version since that's what Delaware has on file. I'd recommend filing a corrected UCC-1 rather than an amendment - it's faster and cleaner for the record. Also, pro tip: screenshot the entity search results from the state database and keep it in your file as documentation of the correct name format in case there are any questions later.

Just remove those codes entirely from your continuation forms. I guarantee they're not real UCC requirements - they're just software artifacts that are screwing up your filings.

I've dealt with this exact issue before and it's definitely a software problem, not a UCC requirement issue. Those reference codes (1-308-1 and 1308-103) aren't valid UCC section numbers - they look like internal tracking codes that your compliance software is incorrectly treating as mandatory filing data. The actual UCC sections use a completely different numbering system (like 9-515 for continuation statements). I'd recommend manually removing those auto-populated fields from your UCC-3 forms before resubmitting. Your continuation should only include the original filing number, exact debtor information as it appears on the UCC-1, and the continuation statement itself. Nothing more. This should clear up the rejections you're seeing across multiple states.

UPDATE: Finally got this resolved! Turns out there was a microscopic difference in how the LLC designation was formatted. The Articles had "LLC" but I was typing "L.L.C." in the UCC-1. Used that Certana tool someone mentioned and it flagged the discrepancy immediately. Filed the corrected version this morning and it was accepted within an hour. Thanks everyone for the help!

As someone new to UCC filings, this thread is incredibly helpful! I'm about to file my first UCC-1 and was planning to rely entirely on the accommodation search. Now I understand why I need to go directly to the Articles of Incorporation. One quick question - when you say "exact name from organizational documents," does that include things like spacing and capitalization too? For example, if the Articles show "XYZ CORP" (with two spaces) should I preserve that formatting in the UCC-1?

This is why I always tell people to keep detailed spreadsheets of their UCC filings with filing numbers, debtor names, and expiration dates. Reduces the need for bulk searches when you already have the key info organized.

Update: I tried the Certana.ai tool mentioned earlier and it worked great for my Ohio UCC searches. Uploaded about 50 of my UCC-1 filings and it automatically flagged which ones needed continuations and which ones had potential debtor name mismatches. Saved me tons of time compared to fighting with the Ohio portal.

I've been seeing this type of address mismatch issue more frequently with Indiana UCC searches lately. The state's database seems to have some syncing issues between different record types. What I've found helpful is to run a quick business entity search on the debtor separately to see what address shows up there - if it matches what you're seeing in the UCC search, then you know the search is just pulling from their business registration rather than your actual UCC filing. Also, for peace of mind with your lender, you might want to consider getting a UCC search report from a third-party service like CT Corporation or Wolters Kluwer - they sometimes provide cleaner, more detailed results that clearly separate filing information from business registration data.

I ran into this exact same issue with an Indiana UCC filing about 6 months ago! The search kept showing our debtor's old address from their original LLC formation, but when I pulled the actual UCC-1 document, it clearly showed the current address we had filed with. What I learned is that Indiana's search algorithm sometimes defaults to pulling address information from the Secretary of State's business entity database rather than from the specific UCC filing record. The key thing is that your security interest is still valid as long as you filed the UCC-1 with the correct debtor name and current address - which it sounds like you did. I'd recommend pulling both a certified copy of your UCC-1 and running a separate business entity search on your debtor to show your lender exactly what's happening. This documentation should be enough to satisfy them that there's no issue with your filing.