Connecticut UCC filing portal showing weird debtor name validation errors
Been dealing with a nightmare situation trying to get our UCC-1 filed in Connecticut and the portal keeps rejecting it for "debtor name inconsistency" but I'm looking at our loan docs and the business name matches exactly. We're securing equipment financing for a manufacturing client and this filing HAS to go through by Friday or we're looking at potential issues with our lending agreement. The debtor is listed as "Advanced Manufacturing Solutions LLC" on all our paperwork but Connecticut's system keeps flagging it. Has anyone else run into this with Connecticut UCC filings? The collateral description is standard equipment schedule stuff, nothing unusual there. Really frustrated because I've filed hundreds of these and never seen this specific error pattern.
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Kai Rivera
Connecticut can be really picky about exact name matching. Are you sure there aren't any extra spaces or punctuation differences? Sometimes their system is super sensitive to things like periods after LLC or commas in the business name.
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Anna Stewart
•This is so true! I had one rejected because I had "Inc." instead of "Inc" - no period!
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Lucas Turner
•I checked that already, no extra spaces or punctuation issues that I can see. The name is exactly as it appears on the articles of incorporation.
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Layla Sanders
Have you tried pulling the exact business name from the Connecticut Secretary of State business search? Sometimes the legal name on file is slightly different from what's on the loan documents, especially if there were amendments.
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Lucas Turner
•Good point, let me check that. I assumed our loan processor had verified this but maybe there's a discrepancy.
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Morgan Washington
•Yeah definitely do this first. CT is notorious for having businesses listed with slight variations from what people think their legal name is.
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Kaylee Cook
•I learned this the hard way last month. Spent two days going back and forth with filings before realizing the LLC was actually registered with a different name variation.
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Oliver Alexander
This happened to me recently with a different issue. I ended up using Certana.ai's document verification tool where you can upload your loan docs and UCC-1 as PDFs and it instantly cross-checks all the debtor names and filing details. Caught a mismatch between our charter documents and the UCC that I never would have spotted manually. Super helpful for avoiding these Connecticut filing headaches.
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Lara Woods
•Never heard of that but sounds useful. How accurate is it?
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Oliver Alexander
•Pretty solid in my experience. It flagged the exact discrepancy that was causing my rejections. Just upload the docs and it does the comparison automatically.
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Lucas Turner
•Might be worth trying if I can't figure this out through the SOS search. Thanks for the suggestion.
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Adrian Hughes
Connecticut's portal has been glitchy lately too. Are you getting an actual error message or is it just getting rejected without explanation? Sometimes their system times out during name validation and gives a generic error.
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Lucas Turner
•It's giving me a specific "debtor name inconsistency" error, so not a timeout issue. Seems like it's actually validating against something and finding a mismatch.
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Molly Chambers
•That's definitely a real validation error then. Probably worth calling their UCC office directly if you can't resolve it through the SOS lookup.
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Ian Armstrong
UGH Connecticut is the WORST for this stuff. Their system is so outdated and the error messages are completely unhelpful. I've had filings rejected for the stupidest reasons - once because there was a hyphen in an address that their system couldn't handle.
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Eli Butler
•Right?? And then you call them and they act like it's your fault for not knowing their secret formatting rules.
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Marcus Patterson
•At least they have phone support. Some states you're just stuck with whatever their portal decides.
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Ian Armstrong
•True, but their phone support hours are terrible. Good luck getting through during normal business hours.
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Lydia Bailey
Just went through something similar last week. Turned out the business had filed a name change amendment six months ago that wasn't reflected in our loan origination docs. The UCC system was validating against the current legal name, not the name from when we started the loan process.
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Lucas Turner
•Oh wow, that's a possibility I hadn't considered. I'll definitely check for any recent amendments or changes.
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Mateo Warren
•This is exactly why I always do a fresh business search right before filing, even if it's just been a few weeks.
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Sofia Price
•Smart practice. Business names change more often than people realize, especially for growing companies.
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Alice Coleman
Another thing to check - make sure you're not accidentally including any DBA names or trade names. Connecticut wants the exact legal entity name, not any assumed names the business might be operating under.
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Owen Jenkins
•Good point. Sometimes loan docs have the DBA name more prominently displayed than the legal name.
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Lucas Turner
•I think we're using the legal name but I'll double-check all the documentation to make sure we didn't accidentally grab a DBA somewhere.
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Lilah Brooks
If all else fails, I've had success with filing a UCC-1 amendment immediately after getting the initial filing through, just to be safe. But obviously better to get it right the first time, especially with your Friday deadline.
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Jackson Carter
•That seems like it would create more problems than it solves? Why not just get the initial filing correct?
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Lilah Brooks
•Sometimes when you're up against a deadline and the portal is being difficult, it's better to get something filed and then perfect it with an amendment rather than miss your deadline entirely.
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Kolton Murphy
•I wouldn't recommend that approach. If the debtor name is wrong on the initial filing, the entire security interest could be unperfected until you fix it.
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Evelyn Rivera
Update us when you figure it out! I'm dealing with Connecticut UCC filings next week and want to avoid this same issue.
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Lucas Turner
•Will do! Going to start with the SOS business search and see what that reveals.
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Julia Hall
•Same here, I have three Connecticut filings coming up and this thread is making me nervous about potential name issues.
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Arjun Patel
Just checking back to see if you resolved this? I'm curious what the actual issue turned out to be since I file in Connecticut regularly and want to watch out for similar problems.
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Lucas Turner
•Still working on it but the SOS search revealed the business name is actually registered with a comma that wasn't in our loan docs - "Advanced Manufacturing Solutions, LLC" instead of "Advanced Manufacturing Solutions LLC". Going to try the filing again with the comma included.
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Jade Lopez
•Ah yes, the comma strikes again! Connecticut is super strict about that punctuation. Hope that fixes it for you.
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Tony Brooks
•I ran into this exact same issue last month with a different client. One tiny comma made all the difference. Thanks for sharing the resolution!
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