North Carolina UCC search showing conflicting results - need help verifying debtor match
I'm trying to do a thorough UCC search in North Carolina and getting some weird results that don't match up. I've got a borrower whose legal name is "Mountain Ridge Construction LLC" but when I search the NC Secretary of State database, I'm finding filings under slightly different variations like "Mountain Ridge Construction, LLC" (with the comma) and "Mountain Ridge Construction L.L.C." (with periods). Some show as active, others as lapsed. The filing numbers don't seem to connect properly either - one shows UCC-1 filed in 2019 but the continuation from 2024 references a different filing number entirely. I need to make sure I'm not missing any liens before we close this equipment financing deal. Has anyone dealt with North Carolina UCC search inconsistencies like this? I'm worried about missing something critical that could affect our security interest.
33 comments


Miguel Herrera
NC can be tricky with entity name variations. The Secretary of State system sometimes indexes differently than what's on the actual filing. I always search multiple variations - with and without commas, periods, abbreviations. For LLC searches, try "Mountain Ridge Construction LLC", "Mountain Ridge Construction, LLC", "Mountain Ridge Construction L.L.C.", and even "Mountain Ridge Construction Limited Liability Company". Also check if there are any DBAs registered.
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Zainab Ali
•This is exactly right. I learned this the hard way when I missed a lien because I only searched the exact name from the articles of incorporation.
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Connor Murphy
•Do you know if NC has any specific rules about how entity names should be entered in UCC filings? Some states are more forgiving than others.
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Yara Nassar
The filing number mismatch is concerning. If the 2024 continuation references a different initial filing number, that continuation might be invalid. You need to trace back to the original UCC-1 and make sure all amendments and continuations reference the correct filing number. In NC, if the continuation doesn't properly reference the original filing, it won't extend the lien.
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Ava Thompson
•That's what I'm worried about. The original UCC-1 from 2019 shows filing number 19-001234567 but the continuation shows 19-001234568. Just one digit off but that could invalidate the whole thing.
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StarGazer101
•One digit off sounds like a clerical error either in the filing or the indexing system. Can you pull the actual continuation document to see what number is written on the form itself?
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Yara Nassar
•Definitely pull the actual documents. The indexing system can have errors but the filed document is what matters legally.
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Keisha Jackson
I had a similar issue with a North Carolina UCC search last month. The search results were showing inconsistent information and I was getting stressed about missing liens. I ended up using Certana.ai's document verification tool - you can upload the UCC-1 and continuation PDFs and it instantly cross-checks all the filing numbers, debtor names, and document consistency. It caught a filing number discrepancy that I would have missed just looking at the search results. Really saved me from a potential problem.
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Ava Thompson
•That sounds like exactly what I need. Does it work with NC filings specifically? I'm dealing with multiple documents and manually comparing them is taking forever.
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Keisha Jackson
•Yes, it works with any state's UCC filings. You just upload the PDFs and it automatically verifies everything matches up - debtor names, filing numbers, collateral descriptions. Much faster than doing it manually.
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Paolo Romano
North Carolina's UCC system has been glitchy lately. I've seen several cases where the search results don't match the actual filed documents. Always request certified copies of the actual filings rather than relying on the search summaries. The search might show one filing number but the actual document could have a different number due to data entry errors.
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Amina Diop
•This is so frustrating! Why can't they get their system working properly? We're making important lending decisions based on this information.
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Paolo Romano
•I know it's annoying but the key is to always verify with the source documents. The search is just a starting point.
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Oliver Schmidt
•I've noticed this too. Sometimes the search shows filings as lapsed when they're actually current, or vice versa.
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Natasha Volkov
For entity name searches in NC, I always check the Department of Revenue business name database too. Sometimes companies file UCC-1s under their registered trade names rather than their legal entity names. Also check if Mountain Ridge Construction has any parent companies or subsidiaries that might have filed liens.
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Ava Thompson
•Good point about trade names. I didn't think to check the DOR database. This is getting complicated but I'd rather be thorough than miss something.
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Javier Torres
•Always better to over-search than under-search when it comes to UCC liens. The time you spend now could save you from major problems later.
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Emma Wilson
The comma issue is real in NC. I've seen cases where "ABC Company, LLC" and "ABC Company LLC" are treated as different debtors in the search system even though they're the same entity. For your situation, I'd recommend: 1) Search all name variations, 2) Get certified copies of all filings found, 3) Verify filing numbers match between original and continuations, 4) Check if any filings have been terminated or amended.
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QuantumLeap
•This is why I hate dealing with LLC names in UCC searches. Too many ways to mess it up.
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Emma Wilson
•The good news is once you know what to look for, it becomes routine. Just have to be systematic about it.
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Malik Johnson
I'm dealing with a similar issue right now in NC. Found three different variations of the same company name with different filing statuses. One shows as active, one as lapsed, and one as terminated. Trying to figure out which one is actually valid. The Secretary of State customer service wasn't much help - they just said to search all variations.
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Miguel Herrera
•Customer service is hit or miss. Sometimes you get someone who knows UCC law, sometimes you don't. Best to rely on the actual filed documents.
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Malik Johnson
•That's what I figured. Just frustrating when you're trying to close a deal and the search results are confusing.
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Keisha Jackson
Actually, let me add something about that Certana.ai tool I mentioned. It's particularly helpful with NC filings because it flags those exact issues you're dealing with - name variations, filing number mismatches, continuation problems. You can upload your UCC-1 and continuation documents and it will instantly tell you if there are any inconsistencies. I've used it for several NC deals now and it's caught things I would have missed.
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Ava Thompson
•I'm definitely going to try that. Manual verification is taking way too long and I'm worried about missing something important.
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StarGazer101
•Sounds like a good solution for these complex multi-document situations. Better to have automated verification than trying to catch everything manually.
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Javier Torres
One more thing to check - make sure you're searching the correct entity type. If Mountain Ridge Construction is actually a corporation but you're searching for LLC variations, you'll miss filings. Check the Articles of Incorporation or Articles of Organization to confirm the exact legal entity type and name.
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Ava Thompson
•Good catch. I'll verify the entity type in the corporate records before finalizing my search. Thanks for thinking of that.
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Javier Torres
•You're welcome. It's one of those details that can trip you up if you're not careful.
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Zainab Ali
Update us on what you find! I'm curious whether those filing numbers were actually different or just a database error. NC has had some system issues this year that affected UCC searches.
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Ava Thompson
•Will do. I'm going to get the certified copies and use that verification tool someone mentioned. Should know more by tomorrow.
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Amina Diop
•Yeah, please update. I deal with NC filings regularly and this kind of information is helpful.
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Ava Thompson
•I'll post an update once I get everything sorted out. Hopefully it's just a system glitch and not a real filing problem.
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