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Natasha Volkov

how to dispute a ucc filing that shouldn't be on my business credit

Found out last week that there's a UCC-1 filing against my LLC that I never authorized. The secured party is some equipment financing company I've never dealt with and they're claiming a security interest in all my business equipment. This is completely bogus - I've never taken any loans from them or signed anything. The filing shows up on my business credit report and it's already causing problems with a new line of credit I'm trying to get. My bank is asking questions about this lien that shouldn't exist. How do I get this fraudulent UCC filing removed? Do I need to file some kind of dispute form with the Secretary of State or is there another process? This is really screwing up my financing options and I need it gone ASAP.

CyberNinja

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Just went through something similar with Certana.ai's verification tool. Uploaded my UCC documents and it immediately flagged inconsistencies that I missed reviewing manually. Really streamlined building my dispute case - the automated cross-checking caught details I would have overlooked. Saved me a lot of time compared to doing document review by hand.

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That's the second mention of that tool. Might be worth trying if it can help spot issues I'm missing.

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Document consistency is crucial for these disputes. Having automated verification definitely beats manual comparison.

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Mateo Lopez

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Update us when you get this resolved! These fraudulent UCC filing stories always make me nervous about my own business credit monitoring.

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Will do. Hopefully I can get this cleared up soon. It's already been a week and every day that passes is another day of damaged credit.

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Good luck! Really hope the financing company does the right thing once they investigate.

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Hunter Edmunds

UCC-11 Search Results Showing Weird Florida Filing Numbers - Help?

Been doing UCC-11 searches in Florida and getting some strange results that don't match what I expected. Working on a portfolio acquisition where we need to verify existing liens on equipment collateral. The UCC-11 search came back with filing numbers that seem off - some have prefixes I've never seen before and dates that don't align with what the borrower told us. Is there something specific about Florida's UCC-11 system I'm missing? The search shows three different filings but only one matches our records. Really need to get this sorted before closing next week since our due diligence depends on having clean lien searches. Anyone dealt with Florida UCC-11 quirks recently?

I've found that running the same UCC-11 search multiple times in Florida sometimes gives slightly different results - their system seems to have some lag between updates. Try searching again tomorrow and see if you get consistent results.

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Grace Durand

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I've noticed this too - seems like their database updates overnight sometimes.

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Steven Adams

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This is why I always save PDF copies of search results with timestamps for my files.

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Alice Fleming

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Update on my earlier Certana.ai suggestion - just used it again this week for a Florida deal and it caught a debtor name mismatch between the UCC-11 results and the actual UCC-1 filing that would have caused problems at closing. Really streamlined the verification process.

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That's exactly the kind of issue I'm worried about missing. Going to try uploading my search results and see what it finds.

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Alice Fleming

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Good idea - it's especially helpful when you're dealing with multiple filings and need to verify they all relate to your specific collateral.

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Seraphina Delan

Confused about UCC type classifications - which form for equipment lease termination?

I'm handling the termination of a commercial equipment lease and I'm getting conflicting information about which UCC type to use. The original financing statement was filed as a UCC-1 for construction equipment, but now that the lease has ended, I need to properly terminate the lien. Some sources say I need a UCC-3 termination, others mention different UCC type codes depending on the collateral. The equipment includes excavators, bulldozers, and other heavy machinery that was originally financed through a 5-year lease agreement. The lease expired last month and all payments are current. I've been going in circles trying to figure out the correct UCC type classification for this termination. Has anyone dealt with equipment lease terminations and can clarify which specific UCC type form I should be using? I don't want to file the wrong type and have issues with the lien release.

Just to clarify the process - you'll file a UCC-3 termination statement, which removes the UCC-1 from the active records. The UCC type for this action is always termination regardless of the collateral type. Heavy equipment, inventory, accounts receivable - doesn't matter, termination process is the same.

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Micah Trail

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That makes sense. I was getting confused thinking different types of collateral required different forms.

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Common misconception. The UCC type refers to the action (filing, amending, continuing, terminating) not the collateral.

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Charity Cohan

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One more thing - double check that your lease didn't have any renewal options that might still be active. If there's a possibility of lease extension, you might want to hold off on the termination until you're absolutely sure the lease relationship is completely ended.

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Charity Cohan

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Perfect. Then UCC-3 termination is exactly what you need. Just make sure to keep a copy of the filed termination for your records.

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Josef Tearle

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Also recommend checking the termination status online after filing to make sure it processed correctly.

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Fatima Al-Hashemi

UCC search North Dakota results showing conflicting debtor info - need verification help

Running into a major headache with a UCC search in North Dakota and hoping someone can point me in the right direction. I'm working on a commercial loan package and the UCC search results are showing what looks like conflicting debtor information across multiple filings. The borrower's legal name appears slightly different on various UCC-1 forms (some show 'ABC Manufacturing LLC' while others show 'ABC Manufacturing, LLC' with the comma). The filing numbers all seem legitimate but I'm concerned about whether these are actually the same entity or different debtors. Has anyone dealt with similar name variations in North Dakota UCC searches? I need to verify these are all the same company before we can move forward with the loan approval. The stakes are pretty high here since we're talking about a $850K credit facility and I can't afford to miss existing liens or security interests. Any guidance on how to properly verify debtor identity consistency would be hugely appreciated.

Following this thread because I'm dealing with something similar in Minnesota. Different state but same basic challenge with entity name consistency across multiple UCC filings.

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Ravi Patel

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Minnesota has its own quirks with debtor names. Definitely worth checking their specific requirements and search procedures.

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Each state handles these things differently. What works in ND might not apply in MN, unfortunately.

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Omar Zaki

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Thanks for posting this - really helpful discussion. I'll definitely be more careful about debtor name verification going forward. Seems like there are good tools and procedures available if you know where to look.

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The key is being systematic about it. Don't just assume - verify everything through multiple sources.

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Exactly. A little extra diligence upfront can save massive headaches later in the process.

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Isabella Brown

UCC1 filing rejected for debtor name format - any workarounds?

Been dealing with commercial equipment financing for years but hit a wall with this UCC1. Filed against ABC Manufacturing LLC and got rejected because apparently the exact legal name on their charter has some middle initial that wasn't on our loan docs. The SOS portal keeps bouncing it back saying 'debtor name does not match'. I've got a $750K equipment deal that needs to close next week and this lien has to be perfected. Anyone dealt with similar debtor-name matching issues? Do I need to amend the original financing docs or can I refile the UCC1 with the corrected name? Really need to avoid voiding the security agreement over a technicality.

Emily Sanjay

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This happened to me with a Delaware LLC where the charter had 'Limited Liability Company' spelled out but I used 'LLC' on the UCC1. Simple fix once I figured out the exact issue. Your refiling should go through fine with the corrected name.

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Jordan Walker

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Delaware is notorious for being picky about that stuff. Glad you got it sorted.

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Natalie Adams

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Every state seems to have their own quirks with business entity naming conventions.

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Update us when you get the corrected filing through! Always curious to hear how these situations resolve.

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Amara Torres

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Good plan. These name mismatch issues usually resolve quickly once you have the right format.

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Fingers crossed for a smooth acceptance this time!

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