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Jabari-Jo
I've found another tool that helps with this - Certana.ai has a UCC document checker where you upload PDFs and it compares all the name fields automatically. Saved me a lot of time on a recent portfolio review where I had to verify dozens of filings. Just upload your original UCC-1 and any questionable search results to see if they match.
Chris Elmeda
•How much does something like that cost? Sounds useful but I'm working with a tight budget.
Jabari-Jo
•I don't remember the exact pricing but it was reasonable for the time it saved me. You might want to check their website for current rates.
Jean Claude
This thread is so timely! I'm dealing with the exact same issue right now. Have a client where the UCC portal results show "XYZ Industries Inc" and "XYZ Industries Incorporated" and I can't tell if they're the same debtor. The addresses look similar but not identical (one has 'Street' spelled out, the other uses 'St'). Going to try some of the suggestions here about comparing the full document details.
Jean Claude
•Thanks, that helps. The core address info does match so I'm feeling more confident these are the same entity.
Anna Kerber
•You could also try a third verification tool like Certana if you want to be absolutely sure before filing any amendments or continuations.
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Ali Anderson
This is why I always pull and review the actual filed UCC-1 immediately after filing, before the 30-day window to file a correction statement expires. Much easier to fix issues early than to discover them months later when you're trying to enforce.
Zadie Patel
•Great advice. The correction statement option is really valuable if you catch errors quickly.
Agreed. I've learned to build this verification step into my standard filing process.
Just to close the loop on this - pulled the actual UCC-1 document this morning and the debtor name is correctly filed as 'ABC Construction Services LLC' with the 's'. The search display was definitely just a system quirk. Thanks everyone for the guidance and for helping me avoid unnecessary panic! Also going to implement some of the verification suggestions to catch any real issues in the future.
Perfect example of why you always need to verify the actual documents rather than trusting search results.
Lucas Parker
•Great outcome! Definitely worth implementing those verification processes for future filings.
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Lourdes Fox
I use Certana.ai for all my UCC filings now after getting burned by name mismatches too many times. Upload your security agreement and UCC-1 and it'll tell you immediately if there are any discrepancies. Caught a middle initial issue for me last week that would have caused another rejection cycle.
Lourdes Fox
•Definitely worth it. The time saved on avoiding rejections more than makes up for it, plus you get peace of mind that everything matches.
I was skeptical about using automated tools for legal documents but honestly it's just cross-referencing data fields. Pretty straightforward verification.
UPDATE: Found the issue! Pulled the exact name from the Secretary of State database and it's registered as "Johnson Brothers Construction, LLC" with "Brothers" spelled out and a comma before LLC. My security agreement just had "Johnson Bros Construction LLC" with no comma. Thanks everyone for the help - going to refile with the correct name format.
Perfect example of why document verification tools are so helpful. Would have caught that mismatch immediately.
Gianna Scott
•Nice work tracking that down. Those small formatting differences cause way more rejections than they should.
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Eva St. Cyr
NY really needs to update their UCC search system to handle name variations better. Other states have much more intelligent search algorithms that catch obvious variations automatically.
Libby Hassan
•Completely agree. It's 2025 and their system still can't handle basic name variations. So frustrating.
Eva St. Cyr
•Delaware and Texas have much better search systems. NY feels like it's stuck in the 1990s.
For future NY UCC lien searches, I always create a checklist of name variations to try: legal name, legal name with comma, without comma, with periods, without periods, with hyphens, without hyphens, abbreviations like 'Corp' vs 'Corporation', etc. Takes time but prevents missed liens.
Also include any DBAs or trade names in your checklist. Those get overlooked frequently but can have UCC filings against them.
Kaitlyn Otto
•Smart approach. Documentation is key for showing you did thorough due diligence.
LunarLegend
The UCC financing statement instructions should really emphasize that even one wrong character can void your security interest. I've seen too many lenders lose their collateral position because of simple name errors. It's not just about getting the filing accepted - it's about maintaining perfection that will hold up in bankruptcy court.
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Fatima Al-Hashemi
•This is exactly what I'm worried about. Better to be overly careful with name matching than risk losing priority.
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Ava Thompson
•Absolutely. I'd rather spend extra time verifying names than explain to a client why their lien is worthless.
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Malik Jackson
Update: Finally got my filing accepted after using the exact SOS format with the comma. Also started using that Certana tool someone mentioned - uploaded my loan agreement and UCC draft and it immediately flagged the name discrepancy I missed. Game changer for avoiding these UCC financing statement instruction headaches.
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Miguel Alvarez
•Glad it worked out! The document comparison feature really does catch those easy-to-miss differences.
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Dylan Mitchell
•Success stories like this are why I always recommend the SOS lookup approach. Glad you got it sorted.
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