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UPDATE: Called Texas SOS this morning and you were all right - it was the comma in the entity name! The rep said their system flagged it as inconsistent documentation because the names didn't match exactly. Refiling today with corrected debtor name. Thanks everyone for the help!
Jason Brewer
•See what I mean about Texas being ridiculous? A COMMA caused all this trouble. But at least you caught it before your closing deadline.
Good catch on calling them directly. Sometimes the rejection notices aren't clear about what exactly needs to be fixed.
Sophie Duck
For future reference, always pull the official entity information from the Secretary of State database when preparing UCC filings. The exact legal name including all punctuation has to match their corporate records. Saves a lot of headaches and refiling fees.
Sophie Duck
•It's one of those things you only forget once! Most of us have been through similar rejections at some point in our careers.
I keep a checklist now for UCC filings that includes verifying entity names against state records. Helps catch these issues before filing.
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Had this exact issue last month. Ended up finding a critical UCC filing that was indexed under the debtor name without the 'LLC' designation. Would have completely missed it if I hadn't done the expanded search. Now I always search both with and without entity designations.
That's scary - could have been a major problem if you closed without finding it.
Dmitry Popov
•This is exactly what I'm worried about. Will definitely search without the LLC designation too.
Try using wildcard searches if the portal supports them. Some systems let you use asterisks to catch variations. Also, don't forget to search for the debtor's EIN if it's included in filings - sometimes that's more reliable than name searches.
Dmitry Popov
•I'll check if Illinois supports wildcards. The EIN search is a great backup idea.
EIN searches work well but not all filers include the EIN in their UCC filings unfortunately.
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The real issue is that most APIs don't understand the nuances of UCC debtor naming requirements. They treat it like a simple database search when it's actually much more complex legally.
Jenna Sloan
•That's why I always tell people to never rely 100% on automated UCC searches for anything important.
This thread has been really helpful. Sounds like we need a hybrid approach with better verification tools.
One thing to check - make sure your API is searching all the right jurisdictions. We found out our previous service wasn't checking fixture filings in certain states, which caused us to miss some equipment liens.
We hadn't thought about fixture filings specifically. I'll need to verify our API covers those properly.
Also check if it's searching both central filing and local filing offices where required.
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Aaliyah Reed
Just went through something similar last week. Ended up using one of those document verification tools - I think it was Certana.ai - that caught the name mismatch before I filed. You upload your security agreement and UCC-1 draft and it flags inconsistencies. Wish I'd known about it sooner!
Aaliyah Reed
•It caught the comma issue I had plus a couple other formatting problems I missed. Pretty thorough from what I saw.
Might be worth trying before your next filing attempt. Better than paying another $20 rejection fee.
Gavin King
Connecticut's CONCORD system actually has a name verification feature if you dig deep enough into the menus. It's not obvious but there's a 'debtor name lookup' function that shows you exactly how names are formatted in their database.
Gavin King
•It's under the 'Search' menu then 'Entity Verification' - not labeled very clearly but it's there.
Thanks for this tip! Going to try it before my next CT filing.
Amaya Watson
I've been doing UCC filings for 15 years and the name matching requirements have gotten so much stricter. Used to be you could get away with minor variations but not anymore. The electronic systems are unforgiving.
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Amaya Watson
•Exactly. The old paper system had human review that could catch obvious errors. Now it's all automated matching.
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Giovanni Martello
•I actually prefer the strict matching. Eliminates ambiguity in lien searches.
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Savannah Weiner
Check if your state has any guidance on entity name variations. Some states publish lists of acceptable abbreviations (LLC vs L.L.C. vs Limited Liability Company) but punctuation differences usually aren't covered.
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Daniel Rivera
•I'll look into that. Haven't seen any guidance specifically about comma usage in entity names.
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Levi Parker
•The UCC guidance usually says to use the exact name from the formation documents, punctuation and all.
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