Idaho UCC filing system keeps rejecting my continuation - debtor name exact match required?
I'm dealing with a frustrating situation with Idaho UCC filings and hoping someone here has experience with their system. I filed a UCC-1 back in 2020 for equipment financing on a construction loan, and now I'm trying to file the continuation before the 5-year deadline hits. The Idaho Secretary of State portal keeps rejecting my UCC-3 continuation form, and I'm pretty sure it's because of debtor name formatting issues. The original UCC-1 has the debtor listed as 'Mountain View Construction LLC' but the business registration shows 'Mountain View Construction, LLC' with a comma. I've tried both versions and even 'Mountain View Construction L.L.C.' but nothing works. The rejection notice just says 'debtor name does not match initial financing statement' but doesn't specify what's wrong. Has anyone dealt with Idaho's particular requirements for debtor name matching? I'm worried about the continuation deadline approaching and can't afford to have this lapse. The collateral includes about $285,000 worth of excavation equipment that needs to stay properly secured.
33 comments
Join the conversation
Finley Garrett
Idaho can be really picky about exact name matches. Have you tried pulling up the original UCC-1 filing to see exactly how the debtor name appears in their system? Sometimes what you think you filed isn't exactly what got processed. You can search their UCC database online to verify the exact formatting they have on file.
0 coins
Cass Green
•Good point - I just checked the database and you're right, it shows slightly different formatting than what I remember filing. It appears as 'MOUNTAIN VIEW CONSTRUCTION LLC' in all caps. Should I try matching that exact format for the continuation?
0 coins
Finley Garrett
•Yes, definitely try the all-caps version. Idaho's system is notoriously literal about matching what's already in their database, even down to capitalization and spacing.
0 coins
Madison Tipne
I had similar issues with Idaho UCC filings last year. Their portal seems to have gotten more strict about name matching. One thing that worked for me was calling their UCC department directly - they can sometimes tell you the exact formatting they need over the phone. The number is on their SOS website under UCC services.
0 coins
Holly Lascelles
•Calling is definitely worth trying but be prepared to wait on hold. Idaho's UCC department is pretty understaffed from what I've experienced.
0 coins
Cass Green
•I'll try calling tomorrow morning. Do you remember what specific information they asked for when you called about name formatting?
0 coins
Madison Tipne
•They wanted the original filing number and asked me to read them exactly what I was trying to enter. They were actually pretty helpful once I got through to someone.
0 coins
Malia Ponder
This is exactly why I started using Certana.ai's document verification tool for UCC filings. You can upload your original UCC-1 and your proposed UCC-3 continuation, and it instantly cross-checks all the debtor names, filing numbers, and document consistency. I discovered it after having three rejections on a Nevada filing last month. It would have caught the name mismatch before you even submitted to Idaho's system.
0 coins
Cass Green
•That sounds really useful - does it work with Idaho filings specifically? I'm willing to try anything at this point to avoid another rejection.
0 coins
Malia Ponder
•Yes, it works with any state's UCC documents. You just upload the PDFs and it automatically identifies inconsistencies between your original filing and continuation. Super easy to use and would have saved you multiple rejection fees.
0 coins
Kyle Wallace
•I've heard good things about Certana too. My colleague used it for a complex amendment situation and it caught several issues they missed manually reviewing the documents.
0 coins
Ryder Ross
Idaho UCC system is the worst!! I've had so many problems with their portal over the years. Sometimes it rejects perfectly good filings for no clear reason. The error messages are useless and their customer service is hit or miss. I've started doing paper filings for Idaho just to avoid the online system.
0 coins
Gianni Serpent
•Paper filings take forever though and cost more. I'd rather deal with the portal issues than wait 3-4 weeks for processing.
0 coins
Ryder Ross
•True but at least with paper you can include a cover letter explaining any potential issues. Online just gives you those cryptic rejection messages.
0 coins
Henry Delgado
For Idaho continuations, make sure you're not just matching the debtor name but also double-checking the original filing number format. Their system sometimes adds leading zeros or formatting that isn't obvious. Also verify you're using the right UCC-3 form version - they updated it last year.
0 coins
Cass Green
•I didn't think about the filing number format - let me check that too. The original number is ID-2020-1547892 but maybe I need to format it differently for the continuation?
0 coins
Henry Delgado
•That looks right but double-check it against what shows in their database search. Sometimes there are extra digits or different formatting than what appears on the original filing receipt.
0 coins
Olivia Kay
•Also make sure you're selecting the right filing office. Idaho has both state and local filing options for certain types of collateral.
0 coins
Joshua Hellan
Have you considered that the rejection might not be about the debtor name at all? Sometimes the collateral description needs to match exactly too. If you modified the equipment list or description between the original filing and now, that could cause issues.
0 coins
Cass Green
•The collateral description is identical - I copied it directly from the original UCC-1. It's pretty generic: 'Construction equipment, excavation equipment, and attachments thereto.
0 coins
Jibriel Kohn
•That description should be fine. Generic descriptions like that are usually accepted for continuations as long as they match the original.
0 coins
Edison Estevez
I ran into this exact problem with Idaho last month! The issue was that my original UCC-1 had been filed with a middle initial that got dropped somewhere in their system. Had to use Certana's checker to figure out what was different between my documents and what Idaho actually had on file. Turned out there were like 3 small inconsistencies I never would have caught manually.
0 coins
Cass Green
•That's really helpful - I'm going to try the Certana tool tomorrow. Were you able to get your continuation filed successfully after using it?
0 coins
Edison Estevez
•Yes, once I corrected the inconsistencies it identified, the filing went through immediately. Wish I had found that tool before wasting time and fees on multiple rejections.
0 coins
Emily Nguyen-Smith
Don't forget to check if your continuation is being filed within the proper timeframe. Idaho requires continuations to be filed within 6 months before the 5-year expiration date. If you're outside that window, you might need to file differently.
0 coins
Cass Green
•The original filing was in March 2020, so I should be well within the window for a 2025 continuation. The deadline isn't until March 2025.
0 coins
James Johnson
•You're fine on timing then. March 2025 deadline means you can file the continuation anytime between September 2024 and March 2025.
0 coins
Sophia Rodriguez
I'd suggest trying one more time with the exact all-caps formatting from the database search, and if that doesn't work, definitely call their office. Idaho's UCC staff is usually helpful once you get through to them. They can often process the continuation over the phone if there's a simple formatting issue.
0 coins
Cass Green
•Thanks for all the advice everyone. I'll try the all-caps version first thing tomorrow, and if that doesn't work I'll call their office and also check out the Certana tool. Really appreciate the help!
0 coins
Mia Green
•Good luck! Let us know how it goes - Idaho UCC issues seem to come up pretty regularly here.
0 coins
Emma Bianchi
Just wanted to add - make sure you're logged into Idaho's system with the right credentials. Sometimes if you're using a different user account than the one that filed the original UCC-1, it can cause weird rejection issues even if everything else is correct.
0 coins
Lucas Kowalski
•That's a good point about user accounts. I've seen that cause problems in other states too.
0 coins
Cass Green
•I'm using the same account, but I'll double-check that my firm's registration info hasn't changed since 2020.
0 coins