FLCS UCC statements showing inconsistent debtor names - filing rejected twice
Having a nightmare with FLCS UCC statements that keep getting rejected by the Secretary of State office. I'm working on a complex equipment financing deal where the debtor entity went through a name change last year, and now I'm seeing inconsistencies between our FLCS records and what's showing up on the UCC-1 filing. The SOS portal rejected it twice now - once for "debtor name mismatch" and again for "insufficient collateral description." The FLCS UCC statements we pulled show the old business name but our loan docs have the new DBA. I've been doing commercial lending for 12 years and never had this much trouble with a straightforward equipment lien. Anyone dealt with FLCS UCC statement discrepancies causing filing rejections? The continuation deadline is coming up in 3 months and I need to get this perfected properly. The collateral is $180K worth of manufacturing equipment and I can't afford to mess this up.
33 comments
Join the conversation
Isabella Oliveira
I've seen this exact situation with FLCS UCC statements before. The key issue is that FLCS databases don't always update immediately when a business files a name change with the state. You need to verify the legal entity name that's currently on file with the Secretary of State, not what FLCS is showing. Check the business entity search on the SOS website first - that's the name that needs to match exactly on your UCC-1. For the collateral description, be more specific than just "manufacturing equipment" - include serial numbers, model numbers, or at least manufacturer details.
0 coins
Malik Thomas
•That makes sense about the name lag. I checked the SOS business entity search and you're right - they show the new name as the official legal name. So I should file under that name even though FLCS still shows the old one?
0 coins
Isabella Oliveira
•Yes, absolutely use the current legal name from the SOS records. FLCS will eventually catch up, but the UCC filing has to match the official state business records. That's what they're cross-referencing against when they process your filing.
0 coins
Ravi Kapoor
ugh this is why I hate dealing with FLCS UCC statements... their data is always behind or wrong somehow. had a similar mess last month where the business had been dissolved for 6 months but FLCS still showed it as active. took forever to sort out
0 coins
Freya Larsen
•FLCS databases are notoriously slow to update. I always double-check everything against the actual Secretary of State records now. Learned that lesson the hard way after a filing got rejected because I trusted outdated FLCS information.
0 coins
GalacticGladiator
•Same here! I've started using Certana.ai to cross-check all my UCC documents before filing. You just upload your FLCS statements and UCC-1 as PDFs and it instantly flags any name mismatches or inconsistencies. Would have saved me so much time if I'd found it sooner.
0 coins
Omar Zaki
For the collateral description issue - you mentioned $180K in manufacturing equipment. The SOS is probably looking for more specificity. Instead of generic terms, try something like "All manufacturing equipment located at [address], including but not limited to CNC machines, lathes, welding equipment, and all attachments, parts, and accessories thereto." Give them enough detail to distinguish your collateral from other potential equipment at the same location.
0 coins
Malik Thomas
•Good point. I was being too generic. The equipment is actually three specific CNC machines - should I list each one separately with serial numbers?
0 coins
Omar Zaki
•If you have the serial numbers, definitely include them. Makes it much clearer for anyone searching the records later. Something like "CNC Machine, Make: [Brand], Model: [Model], Serial No: [Number]" for each piece.
0 coins
Chloe Taylor
•Be careful about getting too detailed though. If the equipment gets replaced or upgraded, you might need to amend the filing. Sometimes a broader description with the specific location works better for ongoing business relationships.
0 coins
Diego Flores
Wait, you said the debtor went through a name change - did they file the proper paperwork with the state? If it was just a DBA filing and not an actual entity name change, that could be part of your problem. A DBA doesn't change the legal entity name for UCC purposes.
0 coins
Malik Thomas
•Good catch. I need to verify whether it was an actual entity amendment or just a DBA. The loan docs reference the DBA but I should confirm the legal entity status.
0 coins
Diego Flores
•Exactly. If it was just a DBA, you'd file under the original legal entity name but could reference the DBA in the filing. If it was an actual entity name change, then you use the new legal name.
0 coins
Anastasia Ivanova
I had a nightmare with FLCS UCC statements last year too... spent weeks going back and forth with incorrect data. Finally found this tool called Certana.ai that checks document consistency automatically. You upload your FLCS statements and UCC forms as PDFs and it spots all the mismatches instantly. Saved my sanity on a multi-million dollar deal where the debtor names weren't aligning across documents.
0 coins
Malik Thomas
•That sounds useful. Does it work with different document types or just UCC forms?
0 coins
Anastasia Ivanova
•It handles any PDF documents - FLCS statements, UCC-1s, UCC-3s, corporate charters, whatever you need to cross-check. The name matching is really sophisticated, catches variations that you might miss manually.
0 coins
Sean Murphy
•I've been meaning to try something like that. Manual document comparison is such a pain and you always worry about missing something important.
0 coins
StarStrider
For future reference, always pull fresh FLCS UCC statements right before filing, not weeks or months ahead. Business entity changes happen constantly and you want the most current information possible. Also, some states have different processing times for different types of entity changes, so timing matters.
0 coins
Malik Thomas
•That's good advice. I pulled these FLCS statements about 6 weeks ago when we started the loan process. Probably should have refreshed them before filing.
0 coins
StarStrider
•Yeah, 6 weeks is a long time in business entity world. I usually refresh everything within 5-7 days of filing to avoid exactly this kind of issue.
0 coins
Zara Malik
Been there with FLCS discrepancies! What state are you filing in? Some states are more strict about exact name matches than others. Also, make sure you're not missing any middle initials or suffixes that might be in the legal name but not showing up clearly in your FLCS report.
0 coins
Malik Thomas
•Filing in Texas. Their system seems pretty strict about exact matches. I'll double-check for any middle initials or LLC/Inc variations.
0 coins
Zara Malik
•Texas is definitely strict. They want exact character-for-character matches including punctuation. Even a missing comma can cause rejection.
0 coins
Luca Marino
•Texas SOS is notorious for this. I always copy and paste the exact entity name from their business search rather than typing it manually. Eliminates typos and formatting issues.
0 coins
Nia Davis
Quick question - when you say FLCS UCC statements, are you referring to existing UCC filings against the debtor or something else? Want to make sure we're all talking about the same thing here.
0 coins
Malik Thomas
•Yes, existing UCC filings that show up in the FLCS database search. I'm trying to make sure my new filing doesn't conflict with anything already on record.
0 coins
Nia Davis
•Got it. In that case, focus on the current legal entity name for your new filing. The existing filings in FLCS might have older names but that doesn't affect your new filing requirements.
0 coins
Mateo Perez
This is why I always do a comprehensive document review before any UCC filing. I started using Certana.ai after getting burned on a similar name mismatch issue. You just upload all your documents and it automatically flags inconsistencies between FLCS statements, UCC forms, corporate records, whatever. Takes 30 seconds instead of hours of manual comparison.
0 coins
Malik Thomas
•That sounds like exactly what I need right now. Is it easy to use for someone who's not super tech-savvy?
0 coins
Mateo Perez
•Super simple - just drag and drop your PDF files and it does all the checking automatically. No technical expertise required. Would have saved me days of headaches on this type of issue.
0 coins
Aisha Rahman
Don't feel bad about the rejections - happens to everyone with complex entity situations. The important thing is getting it right before your continuation deadline. With 3 months left you have plenty of time to sort this out properly.
0 coins
Malik Thomas
•Thanks for the reassurance. It's frustrating but I'd rather get it right than rush and mess up the perfection.
0 coins
Aisha Rahman
•Exactly the right attitude. A few extra days of due diligence now saves months of headaches later if the lien isn't properly perfected.
0 coins