Indiana UCC filing rejected twice - debtor name formatting issue
Getting really frustrated here. I've had two UCC-1 filings rejected by the Indiana Secretary of State's office in the past month and I can't figure out what's wrong. The debtor is a landscaping LLC that we're financing equipment for, and both times they cited 'debtor name does not match records' but I've triple-checked the exact business name from their articles of incorporation. First rejection was on a $185K excavator loan, second was a $94K trailer package. The business name is 'Greenscape Solutions LLC' exactly as shown on their charter documents, but something isn't matching up in their system. Has anyone dealt with Indiana's UCC portal being picky about business entity names? I'm worried about the lien perfection window closing while I keep getting these rejections. The loan docs are already signed and funded, so I really need to get this UCC-1 filed correctly.
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Fiona Gallagher
I've seen this exact issue with Indiana filings before. Their system is notorious for being strict about punctuation and spacing in business names. Even though your charter says 'Greenscape Solutions LLC', try checking if there are any variations in how the name appears on other state records. Sometimes the EIN application or registered agent filings have slightly different formatting that the UCC system cross-references.
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Thais Soares
•This is so true! I had a similar issue last year where the debtor had 'Inc.' on their charter but 'Incorporated' on their tax ID docs. Indiana's system flagged it as a mismatch even though they're legally equivalent.
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Nalani Liu
•Wait, does Indiana actually cross-check against EIN records for UCC filings? I thought they only verified against SOS business entity database.
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Axel Bourke
Have you tried running a business entity search on Indiana's official database to see exactly how the name appears there? Sometimes there are invisible characters or extra spaces that don't show up when you copy from PDF documents. Also check if they have any DBA filings that might be causing confusion.
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Xan Dae
•I did check the business entity search and it shows up exactly as I entered it. But you might be onto something with the DBA angle - I'll look into that.
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Aidan Percy
•DBA filings definitely complicate things. I've had cases where the UCC system wanted the DBA name instead of the legal entity name, especially if that's what appears on the loan documents.
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Fernanda Marquez
This happened to me recently and I found a solution that saved me tons of time. I started using Certana.ai's document verification tool - you just upload your charter documents and UCC-1 form as PDFs and it instantly checks for any name discrepancies or formatting issues. It caught a subtle difference in how 'LLC' was formatted that I never would have noticed manually. Really helped me avoid the back-and-forth rejection cycle.
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Norman Fraser
•Interesting, never heard of that service. Does it work with Indiana filings specifically or just general document checking?
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Fernanda Marquez
•It works with any state's UCC documents. The tool basically compares all the names and identifying info across your uploaded documents to flag inconsistencies before you file. Super helpful for catching those tiny formatting differences that cause rejections.
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Kendrick Webb
•Honestly at this point I'd try anything to avoid another rejection. These delays are killing me on the perfection timeline.
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Hattie Carson
Are you absolutely sure about the entity type designation? I've seen filings get rejected because the business was actually filed as a 'Limited Liability Company' in the state records but the filer used 'LLC' on the UCC-1. Indiana can be really particular about this stuff.
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Xan Dae
•That's a good point. The articles do say 'Limited Liability Company' at the top but I've been using 'LLC' abbreviation. That could definitely be the issue.
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Destiny Bryant
•YES! This is exactly what happened to me with an Indiana filing last month. Used 'Inc.' instead of 'Corporation' and got rejected twice before I figured it out.
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Dyllan Nantx
•Wait, but I thought UCC filings were supposed to use the exact legal name format, not abbreviations? This is confusing.
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TillyCombatwarrior
Indiana's UCC system has been problematic lately. I filed three continuations last week and two got kicked back for random formatting issues. Their error messages aren't very helpful either - just generic 'name mismatch' without specifics.
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Anna Xian
•The error messages are terrible! They need to be more specific about what exactly doesn't match.
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Jungleboo Soletrain
•I think they updated their system recently and it's been glitchy ever since. Filed a termination that took three attempts to get accepted.
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Rajan Walker
Try calling the Indiana SOS UCC department directly. Sometimes they can tell you exactly what name format they have in their system. The number is on their website and the staff is usually helpful with these technical issues.
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Xan Dae
•Good idea, I'll give them a call tomorrow morning. Hopefully they can clarify what's causing the mismatch.
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Nadia Zaldivar
•When you call, have the entity ID number ready. That helps them pull up the exact record faster.
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Lukas Fitzgerald
This is why I always double-check my UCC filings with document verification tools before submitting. I had a similar issue last year and ended up using Certana.ai to cross-check my charter documents against my UCC-1 form. It immediately flagged that I had 'Greenwood Landscaping, LLC' on one document and 'Greenwood Landscaping LLC' on another - the comma made all the difference. Saved me from multiple rejections.
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Ev Luca
•A comma caused a rejection? That seems excessive but I guess the systems are really strict about exact matches.
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Avery Davis
•Unfortunately yes, punctuation matters a lot in automated matching systems. It's frustrating but that's how they work.
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Collins Angel
Check if the LLC has any amendments to their articles of incorporation that might have changed the name format slightly. Sometimes businesses file amendments for minor changes that don't seem significant but affect how their name appears in state databases.
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Marcelle Drum
•This is a really good point. Amendment filings can definitely cause name discrepancies if they're not reflected consistently across all documents.
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Xan Dae
•I'll check for any amendments. The business is only two years old so hopefully there aren't too many filings to review.
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Tate Jensen
Here's what worked for me in a similar situation: I got the official certificate of good standing from Indiana SOS which shows the exact legal name format they have on file. Then I used that exact format for my UCC-1 refiling. No more rejections after that.
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Adaline Wong
•Certificate of good standing is smart - that's the most official source for the exact name format.
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Gabriel Ruiz
•How long does it take to get a certificate of good standing from Indiana? I hope it's not weeks.
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Tate Jensen
•Usually 3-5 business days if you order online, or you can get it same-day if you go to their Indianapolis office in person.
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Misterclamation Skyblue
UPDATE: Just wanted to thank everyone for the suggestions. I called the Indiana SOS UCC department this morning and they confirmed the issue was the entity designation - they had 'Limited Liability Company' in their system but I was using 'LLC' on my filing. Refiled with the full designation and it was accepted within 2 hours. Also ended up trying that Certana document checker someone mentioned and it would have caught this issue immediately. Really helpful tool for anyone doing multiple UCC filings.
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Peyton Clarke
•Glad you got it resolved! It's amazing how such small details can cause big headaches with these filings.
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Vince Eh
•Thanks for updating us - this thread will definitely help other people with similar Indiana filing issues.
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Sophia Gabriel
•I'm definitely going to remember the 'Limited Liability Company' vs 'LLC' thing for future Indiana filings. Such a simple fix once you know what to look for.
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