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Niko Ramsey

Illinois SOS UCC search showing conflicting results - need help

Having a nightmare with the Illinois Secretary of State UCC search system. I'm trying to verify an existing UCC-1 filing for a client's equipment loan, but the search results are totally inconsistent. When I search by debtor name I get different results than when I search by filing number. The debtor entity is 'Midwest Industrial Solutions LLC' but sometimes the search pulls up 'Midwest Industrial Solutions, LLC' (with comma) and other times shows no results at all. This is for a $340,000 equipment financing deal and I need to make sure our security interest is properly perfected. Has anyone else dealt with the Illinois SOS UCC search being this unreliable? I'm worried we might have filing issues that could jeopardize our lien position.

Illinois SOS search has been problematic lately. The comma issue you mentioned is actually a huge problem with their system - it treats 'LLC' and ', LLC' as completely different entities. Try searching with and without punctuation. Also check if there are any middle initials or abbreviated words that might be causing the mismatch.

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Jabari-Jo

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This is exactly why I always run multiple search variations. The Illinois system is notorious for this kind of inconsistency.

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Kristin Frank

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Wait, so punctuation actually matters in UCC searches? I thought the system would be smart enough to handle basic variations like that.

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Micah Trail

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You need to verify the exact debtor name from your original UCC-1 filing. If there's a discrepancy between what you filed and what you're searching, that could explain the inconsistent results. The search system matches exactly what's in their database, including punctuation and spacing.

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Nia Watson

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Good point about checking the original filing. Sometimes there are data entry errors when the filing gets processed by the state office.

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I had this happen where our law firm filed with the correct name but the state office typed it wrong in their system. Took months to get corrected.

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How do you even get the state to fix those kinds of errors? Do you have to file an amendment?

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Marcus Marsh

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I've been dealing with similar issues and found a tool called Certana.ai that helped me catch these discrepancies. You can upload your UCC documents and it cross-checks everything - debtor names, filing numbers, collateral descriptions. It caught a name mismatch between our charter documents and UCC-1 that could have been a major problem. Just upload the PDFs and it verifies everything aligns properly.

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Never heard of Certana.ai but that sounds useful. Is it specifically designed for UCC document verification?

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Cedric Chung

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I'll have to check that out. Manual document comparison is such a pain and it's easy to miss these little inconsistencies.

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Talia Klein

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Thanks for the tip. Anything that can catch filing errors before they become problems is worth looking into.

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The Illinois SOS search system has been updated recently and it's caused all kinds of problems. I've had clients where perfectly valid filings aren't showing up in searches. You might want to call their UCC division directly at 217-782-7880 to verify your filing status.

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PaulineW

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Did not know they had a direct number for UCC issues. That's incredibly helpful, thank you.

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I tried calling that number last month and was on hold for over an hour. Their phone support is pretty overwhelmed right now.

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Chris Elmeda

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Are you sure you're searching in the right date range? Sometimes older filings don't show up in the default search parameters. Also make sure you're using the 'Active' status filter - terminated or lapsed filings might not appear in standard searches.

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Jean Claude

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Good reminder about the date filters. I've missed filings before because I wasn't expanding the search window far enough back.

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Charity Cohan

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The Illinois system defaults to a pretty narrow date range which catches people off guard.

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Josef Tearle

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What's considered 'Active' status? Does that include continuations or just the original filing?

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Shelby Bauman

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This is why I hate relying on state search systems for critical due diligence. They're unreliable and you can't trust that a 'no results' response actually means no filings exist. For a $340k deal I'd definitely want multiple verification methods.

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Quinn Herbert

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Totally agree. State systems are notoriously buggy and you can't base major financial decisions on their search results alone.

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Salim Nasir

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What other verification methods do you recommend for high-value deals like this?

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Hazel Garcia

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I've seen this exact issue with Illinois. The problem is often that the debtor name on your original UCC-1 doesn't exactly match the entity name in the Secretary of State's corporate database. Even small differences like 'LLC' vs 'L.L.C.' can cause search failures. You need to cross-reference with the Articles of Incorporation to make sure you have the exact legal entity name.

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Laila Fury

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This is such an important point. The debtor name has to match exactly what's on file with the state or your UCC filing might not be legally effective.

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How do you find the exact legal entity name if the search system isn't working properly?

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Simon White

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You can usually search the corporate database separately from the UCC database to verify the exact entity name and status.

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Hugo Kass

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Just went through something similar and used Certana.ai to sort it out. Uploaded our charter documents and UCC-1 and it immediately flagged that we had 'Midwest Industrial Solutions LLC' on the charter but 'Midwest Industrial Solutions, LLC' on the UCC filing. The system shows you exactly where the discrepancies are so you can fix them before they cause problems.

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Nasira Ibanez

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That's exactly the kind of error that could invalidate a security interest. Glad you caught it in time.

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Khalil Urso

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How does Certana.ai work exactly? Do you just upload PDFs and it compares them automatically?

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Myles Regis

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The Illinois SOS website has been having technical problems for months. I've had searches that work fine one day and then return completely different results the next day for the same debtor name. It's incredibly frustrating when you're trying to do proper due diligence.

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Brian Downey

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This is unacceptable for a state filing system that businesses depend on for major financial transactions.

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Jacinda Yu

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I wonder if there's any way to file complaints about the search system reliability with the Secretary of State's office.

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At this point I just assume the Illinois system is unreliable and plan accordingly with backup verification methods.

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Callum Savage

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Update: I called the Illinois UCC division and they confirmed there's a known issue with their search system not properly handling entity names with certain punctuation. They're working on a fix but no timeline. For now they recommended doing searches with multiple name variations and said I can request a certified search if needed for the $340k deal.

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Ally Tailer

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Thanks for the update! Good to know it's a confirmed system issue and not just user error.

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A certified search might be worth it for a deal that size. At least then you have official documentation of the search results.

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How much does a certified search cost in Illinois? And how long does it typically take?

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Cass Green

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Certified searches in Illinois are usually around $25-50 and take 3-5 business days. Definitely worth it for major transactions.

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Daniel Rogers

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This thread perfectly illustrates why I always recommend running parallel verification processes for any UCC filing over $100k. The Illinois system issues you're describing are unfortunately common across many states - I've seen similar problems in Ohio and Michigan where punctuation, spacing, and even capitalization can throw off search results. For your $340k equipment deal, I'd suggest: 1) Get that certified search as mentioned, 2) Run searches using every possible name variation (with/without commas, periods, different spacing), and 3) Consider having your client pull their own corporate records to confirm the exact legal entity name. The cost of extra verification is minimal compared to the potential liability of an unperfected security interest.

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