UCC Document Community

The key thing to remember is that UCC search results are only as good as what was originally filed. If someone filed a UCC-1 with a typo in the debtor name 5 years ago, that's what you'll see forever unless they file an amendment. The SDAT system doesn't clean up or standardize anything. It's all about garbage in, garbage out. That's why getting it right the first time is so critical.

Just wanted to add that if you're doing high-volume UCC work, it's worth investing in better verification tools. I tried doing everything manually for years and it was killing me. Now I use automated systems that cross-check entity names against state databases and flag discrepancies before I even file. Costs a bit more upfront but saves tons of time and reduces errors.

This kind of situation is exactly why I always do multiple searches from different sources and then reconcile them manually. It's a pain but better than missing something important. For Connecticut I usually check the SOS site, run a commercial search, and then do spot checks on any questionable results.

Update: I ended up ordering the certified search and also pulled copies of all the actual filings. Turns out the discrepancy was because one of the UCC-3 filings was actually a partial termination that reduced the collateral coverage but didn't terminate the entire filing. The search summaries weren't clear about this distinction. Thanks everyone for the advice - this could have been a major problem if I hadn't caught it.

Just went through this same nightmare last month. Ended up having to call the Ohio SOS directly to understand why my Article 9 compliant description kept getting rejected. Turns out they want much more detail than the statute technically requires.

Final thought - once you get your description sorted out, definitely use one of those document verification tools before resubmitting. Nothing worse than a third rejection when you're already behind schedule on the loan closing.

One more piece of advice - if any of your equipment deals involve fixtures or real estate attachments, you might need separate fixture filings in addition to the regular UCC-1s. Those would be filed at the county level where the property is located.

Thanks for asking this question OP! I was about to start budgeting for some UCC filings myself and this thread cleared up my confusion about county vs state filing requirements. The NY SOS website it is!

One more thing to consider - if this is for a commercial loan closing, make sure you coordinate the refiling timing with your closing schedule. UCC filings don't perfect until they're actually accepted and processed, so you don't want any gaps in your perfection timeline.

Update us when you get this resolved! I'm curious if the SOS office has any explanation for how 'Meridian Industrial Equipment LLC' became 'Ilien'. That's such a weird corruption pattern.