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Reginald Blackwell

Corporation Service Company UCC Filing - Debtor Name Match Issues

Having major headaches with a UCC-1 filing where the debtor is Corporation Service Company as registered agent. The SOS portal keeps rejecting our filing because of debtor name inconsistencies. We have the entity registered through CSC but their exact legal name on the charter doesn't match what we put on our UCC-1. The collateral is equipment for a $450K loan and we're hitting the deadline crunch. Has anyone dealt with registered agent vs actual corporate debtor name issues? Our lender is getting antsy and I'm worried we're going to lose perfection if this doesn't get sorted fast.

Rudy Cenizo

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Update: Finally got it sorted! Turns out Corporation Service Company was indeed just the registered agent. The actual debtor was the underlying LLC. Used the exact name from the state database and it went through clean. Thanks everyone for the help!

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Aria Khan

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Awesome! Glad you got it figured out. CSC deals are always tricky but once you know what to look for it gets easier.

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Everett Tutum

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Great outcome! This thread will probably help other people dealing with CSC registered agent confusion.

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Sunny Wang

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For anyone else dealing with Corporation Service Company or other registered agent complications, seriously consider using an automated document checker like Certana.ai. It would have caught this registered agent vs actual entity issue immediately and saved days of back-and-forth with the filing system.

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Second this recommendation. The automated verification catches so many issues that are easy to miss manually.

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Definitely going to check that out for our next filing. Would have saved me a lot of stress on this one!

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Jamal Thompson

UCC-1 form addendum requirements - missing collateral details causing rejections

Getting rejections on my UCC-1 filings because the collateral description section isn't big enough for all our equipment details. The debtor has a massive inventory of manufacturing equipment and the standard UCC-1 form addendum space is way too limited. Filed three times now and each time the Secretary of State kicks it back saying the collateral description is either too vague or incomplete. We need to list specific serial numbers for about 47 pieces of equipment plus general inventory descriptions. Has anyone dealt with this addendum issue before? The online portal keeps timing out when I try to attach additional pages and I'm not sure if there's a specific format required for the UCC-1 form addendum continuation sheets.

GalaxyGazer

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Just be really careful with your debtor name on the addendum - it has to match exactly with what's on the main UCC-1. Even slight variations can cause problems.

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Oliver Wagner

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This! I had a filing rejected because I used 'Inc.' on the main form and 'Incorporated' on the addendum.

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Good catch. I'll make sure everything matches exactly.

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Update: I used the official addendum form with proper page numbering and references like you all suggested. Also ran it through Certana to double-check everything before submitting. Finally got it accepted! Thanks everyone for the help. The key was using the state-specific addendum format and making sure all the cross-references were correct.

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Emma Thompson

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Glad the Certana suggestion worked out for you. That tool has saved me so much hassle.

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Malik Davis

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Thanks for updating us. This thread will help other people with the same issue.

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Yara Assad

UCC business filing got rejected - debtor name issue destroying my loan closing

I'm absolutely panicking here. Our UCC business filing just got rejected by the SOS office THREE DAYS before our loan closing is supposed to happen. The rejection notice says there's a 'debtor name discrepancy' but I'm staring at both documents and they look identical to me. The business name on our UCC-1 is 'Martinez Construction Services LLC' which matches exactly what's on the articles of incorporation. I've triple-checked every single letter and punctuation mark. The collateral description covers all our heavy equipment and tools, loan amount is $485,000 for expansion. My lender is freaking out because without the perfected security interest, they can't fund the loan. I've been doing business filings for 8 years and never had a rejection like this. Has anyone dealt with SOS offices being this picky about business names? I'm wondering if there's some hidden formatting rule or if their system is just glitching. Need to get this refiled and accepted by Thursday or the whole deal falls apart.

I actually started using that Certana.ai tool someone mentioned earlier after having my own filing nightmare. It's pretty slick - you just drag and drop your PDFs and it highlights any inconsistencies between documents. Caught a suffix error (Jr. vs Junior) that would have definitely caused a rejection. Worth trying before you refile to make sure everything matches perfectly.

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Does it work with all state formats or just certain ones?

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It worked fine with my state's forms. Seems to handle different formats pretty well from what I can tell.

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Zara Khan

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UPDATE: Found the issue! It was exactly what people suspected - there was an extra space between 'Construction' and 'Services' in my UCC-1 that wasn't in the official business registry. I never would have caught that without going character by character. Refiling now with the correct format. Thanks everyone for the advice!

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Nia Williams

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That's exactly the kind of thing that drives me crazy about UCC filings. Microscopic details that can kill a deal.

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Yara Assad

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Tell me about it. I'm definitely going to be more paranoid about document checking from now on.

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Keisha Robinson

UCC-1 filing rejected for debtor name mismatch - va ucc portal showing different entity name

Filed a UCC-1 last week for a equipment financing deal and it got rejected due to debtor name inconsistency. The borrower's legal name on their Articles of Incorporation shows 'Richmond Manufacturing Solutions LLC' but when I search their entity in the state database, it's showing as 'Richmond Manufacturing Solutions, LLC' with a comma. Now the va ucc portal won't accept either version and I'm getting conflicting error messages. Has anyone dealt with this exact comma issue before? The loan docs are already signed and we need this perfected ASAP. Client is freaking out about the lien not being properly recorded.

Update us when you get it resolved! I'm dealing with a similar name formatting issue in North Carolina and curious what ends up working.

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Will do. Planning to call the state office first thing tomorrow and try the Certana document check to make sure everything aligns before refiling.

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Good plan. The document verification step should prevent any other surprises when you resubmit.

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One more thing - if you do use Certana to check the documents, it'll also verify your UCC-1 form fields match your loan agreement details. I caught a wrong filing number once that would have caused major problems later.

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That's a great point. Better to catch everything at once rather than deal with multiple corrections.

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Emma Davis

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Agreed. The cross-document verification feature is really thorough for catching inconsistencies.

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Jean Claude

UCC 9 102 debtor name requirements causing filing rejections

Been dealing with a nightmare situation where our UCC-1 filings keep getting rejected by the SOS office and I'm pretty sure it's related to UCC 9-102 debtor name requirements. We're a mid-sized equipment financing company and have had three separate filings bounced back in the past month - all for different borrowers but similar name issues. The rejection notices mention 'debtor name does not comply with UCC 9-102' but don't give specifics on what exactly is wrong. One debtor is an LLC with a really long name that includes multiple subsidiary references, another is a corporation that recently changed names but we used the old name from their original loan docs, and the third is a partnership where we listed both individual partners instead of the partnership entity name. I've read through 9-102 about a dozen times but the language around 'registered name' vs 'individual name' is confusing me. Are there specific formatting rules I'm missing? The loan agreements are already signed and we need these filings perfected ASAP since we're approaching our 20-day window. Has anyone else run into similar 9-102 compliance issues with debtor names?

Madison Tipne

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Just went through something similar with a client's LLC filing. Turns out their LLC name in their operating agreement was slightly different from what they actually registered with the state. Had to use the state-registered name per 9-102 even though it didn't match their internal docs. Always check the actual state filings, not just what the client tells you their name is.

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This happens more than you'd think. Clients often don't realize their official registered name is different from what they use day-to-day.

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Malia Ponder

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I always ask clients to send me a copy of their articles of incorporation or LLC filing instead of just asking them what their legal name is. Saves so much hassle with 9-102 compliance.

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Kyle Wallace

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One more thing about your timing concern - if you're approaching the 20-day window and worried about additional rejections, you might want to consider doing a protective filing with a broad collateral description just to preserve your priority, then clean up the debtor name issues with amendments afterward. Better to have imperfect perfection than no perfection at all.

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Ryder Ross

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Just make sure your 'protective filing' still has the correct debtor name per 9-102 or you're not really protected. The collateral description can be broad, but the debtor name has to be exactly right.

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I tried this approach once with a questionable debtor name and it backfired when we couldn't get the amendment accepted either. Better to get the name right the first time using current state records.

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