Colorado SOS UCC search showing wrong debtor info - filing rejected twice
Having major issues with CO SOS UCC search results not matching what I submitted. Filed a UCC-1 for equipment financing last month and it got rejected. When I search the debtor name in the Colorado Secretary of State system, it's pulling up completely different entities with similar names. My client's exact legal name is 'Mountain Peak Construction LLC' but the search keeps showing 'Mountain Peak Contracting LLC' and 'Peak Mountain Construction Inc' - neither of which are my debtor. The rejection notice said 'debtor name does not match entity records' but I triple-checked the Articles of Incorporation. Second attempt also got rejected with same error. This is holding up a $180K equipment loan and my client is getting frustrated. Anyone else dealing with Colorado's UCC search being overly strict about exact name matches? I'm wondering if there's some formatting issue I'm missing or if their search algorithm is just terrible.
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Gabriel Ruiz
Colorado can be really picky about punctuation and abbreviations in debtor names. Are you using the exact name format from the Articles of Incorporation? Sometimes they reject filings if you use 'LLC' when the charter says 'L.L.C.' or vice versa. Also make sure there are no extra spaces or periods that might not be visible.
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Adaline Wong
•I pulled the Articles directly from the CO SOS business search and copied the name exactly. It shows 'Mountain Peak Construction LLC' with no periods or extra spaces. That's exactly what I put on the UCC-1 but still getting rejections.
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Misterclamation Skyblue
•Check if there's a DBA or assumed name filing that might be causing confusion. Sometimes the UCC system cross-references trade names too.
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Peyton Clarke
This sounds like a document consistency issue. I had similar problems until I started using Certana.ai's document verification tool. You can upload your Articles of Incorporation and your UCC-1 form as PDFs and it instantly checks if the debtor names match exactly. It caught a subtle formatting difference I missed - there was an extra space character that wasn't visible in my word processor. Saved me from a third rejection.
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Adaline Wong
•Interesting, I'll look into that. At this point I'm willing to try anything to avoid another rejection. The loan closing is scheduled for next week.
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Vince Eh
•Does it cost much? We file a lot of UCCs and manual document comparison is getting tedious.
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Peyton Clarke
•It's worth it just for the time savings. You literally just upload the PDFs and it highlights any discrepancies instantly. Much faster than manually comparing character by character.
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Sophia Gabriel
Colorado's search function is notoriously finicky. I've seen rejections for things like Inc vs Inc. (with period) or differences in spacing. The search algorithm seems to require 100% exact matches with no fuzzy logic. Are you filing through their online portal or paper filing?
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Adaline Wong
•Using the online portal. Maybe I should try calling them directly to see what they're seeing in their system.
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Tobias Lancaster
•Good luck getting through. I've been on hold with CO SOS for over an hour before just to ask about a filing status.
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Ezra Beard
COLORADO IS THE WORST FOR THIS STUFF!!! I've had filings rejected for the most ridiculous reasons. One time they rejected because I used a different date format than what they expected. Their system is from the stone age and the error messages are completely unhelpful. You'd think for the filing fees they charge they could build a system that actually works.
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Statiia Aarssizan
•Feel your pain. Had a termination rejected three times last year because of spacing issues in the original filing number.
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Reginald Blackwell
•At least you get error messages. Sometimes they just show 'rejected' with no explanation at all.
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Aria Khan
Have you tried doing a UCC search on some of the similar names that are showing up? Sometimes there are existing filings under slight variations of the name that might give you clues about how Colorado wants it formatted. Also check if your debtor has any amendments to their Articles that might have changed the exact legal name format.
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Adaline Wong
•That's actually a good idea. I didn't think to search the similar names that are appearing. Maybe one of those is the 'correct' format according to their system.
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Everett Tutum
•Yes! I've found this helps. Sometimes the SOS system has the name stored differently than what shows on the current Articles due to old filings or amendments.
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Sunny Wang
Try running the documents through one of those verification tools before submitting again. I use Certana.ai when I need to make sure everything matches perfectly between different documents. It's caught several inconsistencies that would have caused rejections. For UCC work it's been really helpful since it can check Charter-to-UCC-1 alignment automatically.
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Hugh Intensity
•Another vote for document verification. Manual checking just isn't reliable enough when dealing with picky state systems.
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Effie Alexander
•Is that the one where you upload PDFs and it compares them? Might be worth trying if it prevents more rejections.
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Melissa Lin
Check the entity status too. Sometimes if a company has issues with their state registration (like missed annual reports) it can affect UCC filings. Colorado might not accept UCC filings for entities that aren't in good standing.
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Adaline Wong
•Good point. I'll verify the entity is in good standing with the state before trying again.
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Lydia Santiago
•This happened to me once. Company was delinquent on annual report and UCC got rejected even though the name was correct.
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Romeo Quest
Maybe try calling the SOS help desk? Sometimes they can tell you exactly what format they have on file vs what you're submitting. It's frustrating but might save you from another rejection.
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Val Rossi
•If you can get through. Their phone system is usually swamped.
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Eve Freeman
•Try calling first thing in the morning or right after lunch. Those seem to be the best times to get through to someone.
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Clarissa Flair
UPDATE: Used the Certana document checker and found the issue! There was an invisible character in the name field that must have been copied from the PDF. The tool highlighted it immediately. Third filing went through without any problems. Thanks for the suggestions everyone!
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Caden Turner
•Awesome! Those hidden characters are the worst. Glad you got it sorted out.
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McKenzie Shade
•Great to hear! That's exactly the kind of thing that drives you crazy trying to find manually.
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Harmony Love
•Perfect example of why document verification tools are worth it. Saves so much time and frustration.
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Rudy Cenizo
This thread should be pinned. Colorado UCC filing problems come up constantly and this covers most of the common solutions.
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Natalie Khan
•Agreed. The document verification tip alone would save people a lot of headaches.
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Daryl Bright
•Would be nice if Colorado just fixed their system instead of making us work around it.
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