Indiana SOS UCC search showing wrong debtor name - filing rejected twice

I did check their business entity search and it matches our Articles exactly - no comma. So frustrating that the systems don't talk to each other properly.

This is exactly why I always do a preliminary search before preparing any UCC-1. The Indiana SOS system has been inconsistent with punctuation for years.

Good suggestion - I'll try calling them tomorrow morning. Do you know if they can do a live name verification over the phone?

Yes, they can verify the exact format they need. Just have your debtor's entity number ready - it speeds up the process.

I second this approach. Indiana's UCC staff is actually pretty helpful compared to some states. They deal with name formatting issues constantly.

That sounds incredibly useful right now. Does it work with Indiana specifically or just general UCC stuff?

It works for any state's UCC filings. The tool basically compares your charter documents against your UCC forms to catch discrepancies before you submit. Really wish I'd known about it earlier.

I've been using Certana for a few months now and it's caught several name issues that would have caused rejections. Definitely worth checking out for situations like this.

The timeout issue is so annoying! I've lost work because the session expires while I'm trying to review search results.

At least they have online filing now. Remember when everything had to be mailed in? That was even worse for name matching problems.

So you're saying I should use the comma version that appears in their UCC search rather than the no-comma version from the Articles?

Exactly. The UCC database is what matters for UCC filings. I know it seems backwards but that's how Indiana works. Just make sure you document why you used that version in your file.

This is correct. I learned this the hard way after multiple rejections. The UCC system has its own version of entity names that don't always match business registration.

Is that really allowed? I thought you had to pick one exact name format.

You can list multiple names in the debtor section if there's genuine uncertainty about the correct legal name. It's better than guessing wrong and having the filing be ineffective.

I wouldn't recommend this approach unless you're absolutely sure about the rules. Multiple debtor names can create confusion later when you need to file amendments or continuations.

A couple people have mentioned Certana now. Sounds like it might be worth trying before I make another filing attempt.

Definitely worth it. The document verification catches these exact issues - just upload your PDFs and it compares everything automatically. Much faster than calling the SOS office.

Tell me about it. I've been doing UCC filings for 15 years and it's still frustrating how inconsistent everything is state to state.

The technology should make this easier but somehow it just creates new problems. At least with paper filings you could include a cover letter explaining name variations.

That's actually a good tip! I never thought about timing affecting the system performance.

Monday mornings are also bad because everyone's trying to file after the weekend. Weekday afternoons work best for me.

Glad it worked out! The Certana tool really is a lifesaver for these types of document consistency issues.

Great outcome! Always nice when a thread has a happy ending. Indiana UCC filings can be tricky but sounds like you got it sorted.

Thanks for posting the update. I'm bookmarking this thread for future reference - the name matching tips will definitely be useful.