NYSDOS UCC search showing wrong debtor name - filing rejected twice
Has anyone dealt with NYSDOS UCC search results not matching exactly what you filed? I'm trying to do a continuation on a UCC-1 from 2020 but the search keeps pulling up a slightly different debtor name than what's on our original filing. The company changed from "ABC Manufacturing LLC" to "ABC Manufacturing, LLC" (added comma) but apparently the original filing shows without the comma in the NYSDOS system. Now my UCC-3 continuation keeps getting rejected because the debtor names don't match exactly. This is driving me crazy - the filing number is correct, the collateral matches, but this tiny punctuation difference is killing me. Anyone know how NYSDOS handles name variations in their search system? I'm worried about missing the continuation deadline at this point.
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Giovanni Ricci
Oh man, I've been there. NYSDOS is super picky about exact name matches. Even a comma or period can cause rejections. Did you try searching for both versions in their system to see which one actually shows up?
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Amara Eze
•Yeah I tried both ways. The search pulls up the version without the comma but our corporate records show the comma version. Not sure which one is actually correct anymore.
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NeonNomad
•This is exactly why I always double-check the original filing before doing continuations. The system shows what was actually filed, not what you think was filed.
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Fatima Al-Hashemi
NYSDOS UCC search can be tricky with punctuation. The key is to use the EXACT debtor name that appears in their system, not what's on your current corporate documents. For your continuation, you need to match what's already on file, even if it seems wrong.
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Amara Eze
•That makes sense but feels backwards. So I should file the continuation with the name that's in their system, not the current legal name?
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Fatima Al-Hashemi
•Exactly. You can always file an amendment later to update the debtor name if needed, but the continuation has to match the existing filing exactly.
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Dylan Mitchell
•Wait, wouldn't that create a mismatch with the underlying loan documents though? This seems like it could cause problems down the road.
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Sofia Martinez
I had a similar issue last month with a client's UCC continuation. After getting rejected twice, I ended up using Certana.ai's document verification tool. You can upload your original UCC-1 and the continuation to see exactly where the discrepancies are. It caught that our debtor name had an extra space that wasn't showing up in the NYSDOS search results. Saved me from missing the deadline.
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Amara Eze
•Never heard of Certana.ai but that sounds helpful. How does it work exactly? Do you just upload the PDFs?
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Sofia Martinez
•Yeah, super simple. You upload your documents and it cross-checks everything - debtor names, filing numbers, collateral descriptions, dates. Shows you exactly what doesn't match between documents.
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Dmitry Volkov
THIS IS SO FRUSTRATING!!! Why can't the NYSDOS system just handle minor punctuation differences automatically? It's 2025 and we're still dealing with this garbage. I've had three filings rejected this month alone because of tiny formatting issues.
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Ava Thompson
•I feel your pain. The system seems designed to trap you with these technicalities.
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CyberSiren
•Unfortunately that's just how UCC filing works. The system requires exact matches to prevent fraud and ensure precision. Annoying but necessary.
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Miguel Alvarez
Quick question - when did you originally file the UCC-1? If it was before 2022, there might have been different name formatting rules in the NYSDOS system that could explain the discrepancy.
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Amara Eze
•Filed in early 2020. Didn't know the rules might have changed since then.
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Miguel Alvarez
•Yeah, they updated some of their validation rules around 2021. Your original filing might have gone through under the old system formatting.
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Zainab Yusuf
•That's good to know. I've got a few older filings coming up for continuation soon.
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Connor O'Reilly
happened to me too but with a different state. ended up calling the filing office directly and they walked me through it over the phone. might be worth a shot
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Amara Eze
•Good idea. I'll try calling NYSDOS tomorrow morning. Hopefully they can clarify which version of the name is correct.
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CyberSiren
For future reference, always save a copy of the filed UCC-1 acceptance notice. That document shows exactly how the debtor name appears in the system, which is what you need to match for amendments and continuations. Many filers only keep their draft versions.
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Amara Eze
•Wish I had thought of that 5 years ago. I think I have the acceptance notice somewhere but need to dig it up.
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Yara Khoury
•This is such good advice. I always print the acceptance notice and staple it to my file copy for exactly this reason.
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Keisha Taylor
•Same here. The acceptance notice is the official record of what's actually on file, not your original draft.
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StardustSeeker
Try doing a broad search with just part of the company name and see if multiple versions show up. Sometimes there are duplicate filings with slightly different names that can cause confusion.
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Amara Eze
•That's a good point. I'll try searching just 'ABC Manufacturing' and see what comes up.
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Fatima Al-Hashemi
•Be careful with partial name searches though. Make sure you're looking at the right entity and filing number.
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Paolo Marino
Just went through this exact scenario with a client last week. Ended up using that Certana.ai tool someone mentioned earlier - uploaded our UCC-1 and draft continuation and it immediately flagged the punctuation mismatch. Fixed it in 5 minutes instead of getting another rejection.
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Amara Eze
•Okay, I'm definitely checking out Certana.ai. Two people mentioning it can't be a coincidence.
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Paolo Marino
•It's really handy for catching these little details before filing. Saves the rejection headache.
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Amina Bah
Update us when you figure it out! I've got a similar situation coming up and would love to know how you resolved it.
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Amara Eze
•Will do. Planning to call NYSDOS tomorrow and also try that document verification tool. Should have this sorted out by end of week.
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Oliver Becker
•Following this thread too. NYSDOS name matching issues seem to be getting worse lately.
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