Indiana UCC Lien Search Results Not Matching Our Records - Missing Filed Continuations

Yes, I'm using the exact debtor names from our loan documents. But now that you mention it, I'm wondering if there might be slight differences between what we have in our files and what was actually filed on the original UCC-1s.

This is exactly why I always keep copies of everything. The portal search is only as good as the data entry, and if someone made a typo on the original filing, your continuation might be attached to a slightly different name variation.

I tried that on a few of them, but I'm getting inconsistent results. Some show the continuations, others don't. It's like the system isn't linking them properly.

That's concerning. If the filing numbers aren't pulling up complete records, there might be a database issue on Indiana's end. I'd document everything and maybe contact their filing office directly.

Or it could be that the continuations were filed with incorrect original filing numbers. I've seen that happen when people transpose digits.

That sounds useful. How does it work exactly? Do you just upload PDFs of the filings?

Exactly. Just upload the PDFs and it automatically checks for discrepancies between the documents. Found out we had filed a continuation using 'LLC' when the original UCC-1 had 'L.L.C.' - tiny difference but enough to make the lien search miss the connection.

Honestly sounds too good to be true. How accurate is this tool really?

I was skeptical too initially, but it caught mistakes our manual review process missed. The document comparison is pretty thorough.

I feel your pain. Had a deal almost fall through because a termination didn't show up in the search results for over a month after filing.

Have you tried calling their customer service line? Sometimes they can manually verify filings that aren't showing up in the online search.

Yeah, called them. They confirmed the filings are in the system but said the search indexing is 'experiencing technical difficulties.' Real helpful.

The original filings were in early 2020, so they would have lapsed by February 2025. We filed the continuations in advance to avoid any issues, which is our standard practice.

Got it. So you're being proactive with the continuations. That's smart given how unreliable the portal seems to be.

Always better to file early than risk a lapse. Missing a continuation deadline can void your entire security interest.

How did you discover the name variations? Did you have to request copies of all the filed documents?

Yeah, had to get certified copies of everything to compare side by side. It was tedious but worth it to know exactly what was on file.

This is why I always double-check the debtor names before filing anything. One wrong character and you can mess up the entire lien chain.

I've been doing standard debtor name searches. Should I be doing something different for organizational debtors?

Try searching with and without corporate designations, and also check for any DBA names the business might use. Indiana's search can be finicky about exact name matches.

Good point. I think I'll request certified copies of the continuations we filed to make sure they were actually processed correctly.

Definitely worth the cost for peace of mind, especially with $2.8M in loans at stake.

Is it expensive? We do a lot of UCC filings and I'm always looking for ways to reduce errors.

It's worth it for the time savings alone. Much faster than manually comparing documents line by line.

That's not a bad idea. Better to find problems now than during a workout situation.

Yeah, that's exactly what prompted this post. Routine audit turned up these discrepancies and now I'm questioning everything.

Glad you got it sorted out! Always satisfying when you can track down the root cause of these kinds of issues.

Perfect example of why document verification is so important. Those small name differences can cause major problems if you don't catch them.

Thanks for the update. This whole thread has been really educational about Indiana's filing quirks.