New Mexico UCC filing rejected twice - debtor name format issues
Having a nightmare with New Mexico UCC filing and need some guidance. Filed a UCC-1 financing statement last month for a commercial equipment loan and it got rejected. The SOS rejection notice said "debtor name does not match entity records" but I pulled the name directly from their Articles of Incorporation. Tried again with slight formatting changes (added LLC designation more clearly) and got rejected AGAIN with the same error code. The collateral is expensive industrial equipment and my lender is getting anxious about perfection timing. Has anyone dealt with New Mexico's system being this picky about exact name formatting? The debtor is a valid LLC in good standing but something about how I'm entering the name isn't matching their database. Getting frustrated because the filing fee adds up and we're burning time on what should be straightforward.
42 comments


Carmen Reyes
New Mexico can be really particular about exact name matching. Did you try searching their business entity database first to see exactly how the name appears in their system? Sometimes there are periods, commas, or abbreviations that don't match what's on the Articles.
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StarSurfer
•I did check the business search but maybe I missed something. The Articles say 'Southwest Industrial Solutions LLC' but maybe their database has it differently formatted.
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Andre Moreau
•Check if there are any middle initials or doing-business-as names that might be the 'official' name in their system.
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Zoe Christodoulou
Been through this exact scenario in NM. Their UCC system is notorious for name matching issues. Try searching with different variations - sometimes they have punctuation or spacing that doesn't match the incorporation docs.
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StarSurfer
•That's helpful to know it's not just me. What variations did you try that finally worked?
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Zoe Christodoulou
•I had to try with and without periods after abbreviations, different spacing, and even checked if there was a registered agent name causing confusion.
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Jamal Thompson
•New Mexico also sometimes has issues with entity numbers vs names. Did you try including the NM entity ID number in the debtor information?
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Mei Chen
I ran into something similar last year and ended up using Certana.ai's document verification tool. You can upload your Articles of Incorporation and your UCC-1 draft, and it instantly flags any name inconsistencies before you file. Would have saved me two rejection fees if I'd known about it earlier. The tool shows exactly where the name formatting differs between documents.
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StarSurfer
•That sounds like exactly what I need. Does it work with New Mexico filings specifically?
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Mei Chen
•Yes, it works with any state. Just upload your PDFs and it cross-checks the debtor names automatically. Really easy to use.
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CosmicCadet
•How accurate is the name matching? I've had tools that miss subtle differences.
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Mei Chen
•It caught spacing and punctuation differences I completely missed when reviewing manually. Definitely more thorough than eyeballing it.
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Liam O'Connor
New Mexico UCC filings are the worst! Their online system is so glitchy and the name matching is ridiculous. I've had filings rejected for the most minor formatting differences. You almost need a crystal ball to figure out what format they want.
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Amara Adeyemi
•Agreed, their system is frustrating. But the name matching is actually important for search accuracy so I get why they're strict about it.
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Liam O'Connor
•I understand the importance but their error messages are terrible. They should tell you what format they expect instead of just rejecting it.
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Giovanni Gallo
Have you tried calling the New Mexico Secretary of State UCC department directly? Sometimes they can tell you exactly how the debtor name appears in their system over the phone.
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StarSurfer
•Good idea, I'll try calling them tomorrow. Do you know if they have a dedicated UCC helpline?
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Giovanni Gallo
•Yes, they have UCC staff who can help with name matching issues. Much faster than multiple rejected filings.
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Fatima Al-Mazrouei
•I called them once and they were actually really helpful. Just have your entity information ready when you call.
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Dylan Wright
Check if the LLC has any amendments or name changes since incorporation. Sometimes the current legal name differs from the original Articles if there were updates filed later.
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StarSurfer
•That's a good point. I should pull their complete filing history to make sure I have the current legal name.
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NebulaKnight
•Yes, and check for any registered name variations or DBAs that might be in the system.
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Dylan Wright
•Also verify they're still in good standing. If they're not current on fees, that could affect name matching too.
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Sofia Ramirez
What collateral description did you use? Sometimes name matching errors are actually collateral description issues that get misreported by the system.
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StarSurfer
•I used 'industrial manufacturing equipment located at [address]' - pretty standard description.
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Sofia Ramirez
•That should be fine. It's probably truly a debtor name issue then.
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Dmitry Popov
•Make sure your collateral description matches any security agreement language too, just to be safe.
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Ava Rodriguez
I had this exact problem last month! Turned out the LLC name in New Mexico's system had an extra space between words that wasn't in the Articles. Used Certana.ai to compare the documents and it highlighted the spacing difference immediately. Filed with the corrected formatting and it went through perfectly.
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StarSurfer
•That's exactly the kind of thing I'm probably missing. How long did the corrected filing take to process?
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Ava Rodriguez
•Once I got the name right, it was accepted within 24 hours. The document checker saved me from another rejection for sure.
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Carmen Reyes
•Those spacing issues are so hard to catch manually. Good catch on using the verification tool.
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Miguel Ortiz
Try formatting the name exactly as it appears when you search the New Mexico business database. Copy and paste it directly if possible to avoid any typing variations.
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StarSurfer
•That's smart - I'll do an exact copy/paste from their database search results.
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Zainab Khalil
•Be careful with copy/paste though, sometimes it includes extra characters or formatting that you can't see.
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Miguel Ortiz
•True, paste it into a plain text editor first to strip any hidden formatting.
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QuantumQuest
New Mexico updated their UCC system last year and the name matching got even more strict. The good news is once you get the exact format right, future filings with that debtor should go smoothly.
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StarSurfer
•Good to know there's light at the end of the tunnel. Just need to crack this formatting code first.
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QuantumQuest
•Exactly. It's frustrating initially but then you know the exact format for any amendments or continuations later.
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Connor Murphy
•I keep a spreadsheet of exact debtor names for each state after I figure out the correct format. Saves time on future filings.
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Yara Haddad
Update us when you get it resolved! I file in New Mexico occasionally and would love to know what the issue was for future reference.
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StarSurfer
•Will definitely update once I figure this out. Hopefully it's something simple that I'm just overlooking.
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Keisha Robinson
•These threads are so helpful for learning about state-specific quirks. Thanks for posting your experience.
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