North Dakota Secretary of State UCC Search Results Not Matching Filed Documents

Good point about the LLC part. I'll try that variation. The original articles of incorporation had it as "Dakota Construction Solutions, LLC" with a comma, but I filed it without the comma.

That comma difference could definitely be the issue. The search has to match exactly what's in their system.

Yeah, I tried the filing number too and got the same inconsistent results. Sometimes it pulls up the record, sometimes says no results found.

That's definitely a system problem then, not a name matching issue.

That sounds helpful. How does it work exactly? Do you just upload the UCC form?

Yeah, you upload your UCC-1 PDF and it automatically extracts all the key data - debtor name, secured party, collateral description, filing number. Then it flags any potential issues with name formatting or missing info.

I've heard about that tool but haven't tried it yet. Seems like it could catch a lot of manual review errors.

Really? That's concerning if their system is that unreliable.

It's frustrating but not uncommon. Most states have occasional glitches with their UCC databases.

I thought I had the right name but now I'm second-guessing myself. The loan docs had it one way, the articles another.

That's exactly the kind of thing that causes problems. The UCC filing needs to match the debtor's exact legal name as it appears on their organizational documents.

This is why I always triple-check the debtor name before filing. One small difference can invalidate the whole lien.

Oh wow, I didn't think to check if they'd amended their articles. That could be it.

Yeah, companies sometimes make small name changes that don't get communicated to lenders.

Tell me about it. Some states are better than others but ND definitely has issues.

It's ridiculous. These filings are too important for the systems to be this unreliable.

Good idea. I'll give them a call tomorrow morning.

Their staff is usually pretty helpful with UCC questions in my experience.

That's a great way to catch those kinds of errors before they become bigger problems.

Exactly. Better to find out early than discover it during a foreclosure when the lien might not be enforceable.

Will do. Going to try the document verification tool first, then call the state office if needed.

Smart approach. Usually these issues have simple explanations once you find them.

Thanks for the reminder. How long do I have to file the amendment?

For name corrections, you generally want to do it ASAP. The amendment should relate back to the original filing date if done properly.

Right, and make sure to check if the name error is considered 'seriously misleading' under UCC Article 9. That affects whether the original filing was valid.

It's equipment financing so should be with the state. But good point to double-check.

Yeah, equipment is typically state-level unless it's fixtures attached to real estate.