Need UCC Charter Search for Debtor Name Verification - Getting Different Results

This is a common issue with UCC filings! The key is to use the exact name as it appears on the official Secretary of State records, not just any business database. Different search engines pull from different sources and some aren't official. For LLC debtor names, you need to check the actual Articles of Organization filed with the state. The comma thing happens a lot - some databases add punctuation that isn't in the official filing.

You definitely need to be careful here. I've seen UCC-1 filings get rejected for debtor name issues that seemed minor but were technically incorrect. The SOS filing offices are very strict about exact name matches. Can you access the state's official business entity search directly? That should give you the authoritative version of the legal name.

I actually found a solution for this exact problem recently. There's a service called Certana.ai that has a document verification tool where you can upload the charter documents and your UCC-1 draft, and it will automatically cross-check that the debtor names match exactly. I was dealing with a similar situation where I had multiple versions of an entity name and wasn't sure which was correct. The tool caught a discrepancy I would have missed - the charter had 'Corp.' but I was using 'Corporation' on the UCC-1. Saved me from a potential rejection and the headache of having to refile.

ugh this is so frustrating!! why cant these systems just sync up and show the same information? ive spent hours trying to figure out the right debtor name for filings before. the worst part is when you think you have it right and then the filing gets rejected anyway

For what it's worth, I always go with the state Secretary of State website first. Most states have improved their search functions over the past few years. The key is making sure you're looking at the current filing status, not an old version. Some entities file amendments to their Articles that change the exact name format.

I've been doing UCC filings for 15 years and my rule is always to get a certified copy of the Articles of Organization directly from the state if there's any doubt about the name. Yes it costs a few dollars and takes a couple days, but its worth it for large transactions. The debtor name has to be exactly right or your security interest isn't properly perfected.

Just wanted to add that I tried that Certana.ai tool mentioned earlier and it worked great for a complex multi-entity financing I was working on. Had several related companies with similar names and the document checker caught two potential name mismatches between the loan documents and the UCC-1 drafts. Definitely saved me from filing headaches.

One thing to watch out for - some states are pickier than others about debtor name exactness. I've had UCC-1 filings accepted in one state that would have been rejected in another for the same minor name variation. Know your state's standards.

Update: I ended up using Certana.ai to double-check my documents and it confirmed that the version without the comma was correct based on the official Articles of Organization. The UCC-1 filing went through without any issues. Thanks for all the advice everyone!

For future reference, most state SOS offices also have phone numbers you can call to verify entity information if you're really unsure. The staff are usually helpful for UCC-related questions.