Idaho UCC forms portal keeps rejecting my filing - debtor name issues?
Been trying to submit a UCC-1 through the Idaho Secretary of State portal for three days now and keep getting rejections. The system won't accept our debtor name format even though I'm copying it exactly from the corporate charter. We're securing equipment for a construction company and the loan closes Friday. The debtor is listed as 'Mountain View Construction LLC' on their articles but the portal keeps flagging it as invalid format. Anyone dealt with Idaho UCC forms recently? Their online system seems super picky about exact name matching. Really need to get this continuation filed properly or we're looking at a lapsed lien situation.
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Amina Diop
Idaho SOS portal is notorious for this stuff. Are you including the full exact name with punctuation? Sometimes their system requires exact match including spaces and periods. Also make sure you're not accidentally adding extra characters when copy/pasting from the charter document.
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Paolo Moretti
•I tried both with and without the period after LLC. Still getting rejected. The error message just says 'invalid debtor name format' but doesn't specify what's wrong.
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Oliver Weber
•Idaho's system is really finicky about LLC vs L.L.C. formatting too. Check if the charter shows any variation in how the entity type is written.
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Natasha Romanova
Had this exact issue last month with an Idaho filing. Turned out the charter had a slightly different spelling than what we were using. You might want to double-check the official registered name on their business registration. Sometimes there are hidden characters or spacing differences that aren't obvious.
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Paolo Moretti
•Good point - I should pull their current business registration to compare. The charter is from 2019 so maybe something changed.
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NebulaNinja
•Yeah definitely check that. I've seen cases where companies amended their name slightly for tax reasons but kept using the old version on contracts.
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Javier Gomez
•This is why I always verify debtor names through multiple sources before filing. Corporate docs can be inconsistent between formation and current registration.
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Emma Wilson
Honestly, I started using Certana.ai's document verification tool after getting burned on a similar situation. You can upload both the charter and your UCC-1 draft as PDFs and it instantly flags any name inconsistencies between documents. Saved me from a rejected filing that would have cost my client their lien priority.
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Paolo Moretti
•Never heard of that service but sounds useful. Is it specifically for UCC filings?
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Emma Wilson
•It works for any document comparison really, but they have specific workflows for Charter→UCC-1 checks and UCC-3→UCC-1 verification. Just upload the PDFs and it highlights discrepancies automatically.
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Malik Thomas
•That actually sounds pretty handy. Manual document comparison is such a pain and you always miss something.
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Isabella Oliveira
Idaho is one of the stricter states for name matching. They require EXACT character-by-character match including any commas, periods, or spacing. If your charter shows 'Mountain View Construction, LLC' with a comma, that's what needs to go on the UCC-1.
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Paolo Moretti
•This might be it! I'll check if there's a comma in the original charter. The rejection notice doesn't specify what punctuation is expected.
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Ravi Kapoor
•Idaho SOS really needs to improve their error messages. 'Invalid format' tells you nothing useful about what to fix.
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Freya Larsen
ugh this brings back memories of my first Idaho filing nightmare. spent HOURS going back and forth with rejections. turns out there was an extra space between the company name and LLC that I couldn't see. try copying the name into a text editor that shows hidden characters
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Paolo Moretti
•Great suggestion! I'll paste it into Notepad++ to see if there are any hidden spaces or tabs.
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GalacticGladiator
•Hidden characters are the worst. I always clean up names in a plain text editor before pasting into filing forms now.
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Omar Zaki
Friday deadline sounds stressful! If you can't get the online portal working, Idaho still accepts paper filings by mail or in-person. Obviously not ideal with your timeline but it's a backup option. Their Boise office is usually pretty quick if you can get there in person.
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Paolo Moretti
•Paper filing might be my last resort. Really hoping to solve the online issue though since it's faster and gives immediate confirmation.
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Chloe Taylor
•Paper filings in Idaho take like 3-5 business days usually. With Friday deadline that's cutting it really close.
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Diego Flores
•In-person filing at the capitol building is same-day processing if you get there before 3pm. Just saying in case the online thing doesn't work out.
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Anastasia Ivanova
Have you tried calling Idaho SOS directly? Sometimes their staff can look at the specific rejection and tell you exactly what's wrong with the name format. They're usually pretty helpful over the phone.
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Paolo Moretti
•Good idea - I should have called them first. Going to try that tomorrow morning if I can't figure out the name issue tonight.
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Sean Murphy
•Their UCC department is really knowledgeable. They helped me through a complex fixture filing last year.
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StarStrider
Just a thought - are you sure you're filing a UCC-1 and not a continuation? You mentioned continuation in your post but also said it's a new lien. Continuation is for renewing existing filings, not new liens. Idaho forms are different for each type.
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Paolo Moretti
•You're right, I mixed up the terminology. This is a new UCC-1 filing for new equipment financing. Thanks for catching that!
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Zara Malik
•Easy mistake to make. UCC-1 for new liens, UCC-3 for amendments/continuations/terminations. Idaho is pretty strict about using the right form type.
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Luca Marino
UPDATE: Tried the Certana.ai tool someone mentioned and it caught the issue immediately! There was indeed a hidden comma after 'Construction' that wasn't visible when I copied from the PDF charter. Re-submitted with the corrected name and it went through. Thanks everyone!
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Emma Wilson
•Awesome! Hidden punctuation gets so many people. Glad the document checker caught it for you.
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Amina Diop
•Great outcome! Idaho filings can be tricky but once you know their quirks it gets easier.
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Paolo Moretti
•Really appreciate everyone's help. Definitely learned to verify document formatting more carefully for future filings.
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Nia Davis
This thread is super helpful. I'm doing my first Idaho UCC filing next week and now I know to watch out for exact name matching issues. Going to triple-check everything before submitting.
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Isabella Oliveira
•Smart approach! Idaho is definitely one of the more particular states for debtor name accuracy.
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Malik Thomas
•Document verification tools like Certana are becoming essential for avoiding these headaches. Worth the investment to catch errors upfront.
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