OneSearch UCC database showing conflicting results - which filing is actually active?

That's exactly what I'm seeing - one shows 'ABC Manufacturing Inc' and another shows 'ABC Manufacturing Incorporated' but the addresses are identical. There's also one with just 'ABC Manufacturing' with no corporate designation at all.

Those variations could definitely be the same company. You'll want to cross-reference the addresses and any federal tax ID numbers if they're listed to confirm it's the same debtor.

The filings are showing up in Delaware, Texas, and Ohio. The Delaware one looks like the original UCC-1 from 2019, Texas has what appears to be a continuation from 2024, and Ohio has a newer UCC-1 from last year.

That makes sense - sounds like the company might have moved operations or restructured. The continuation in Texas would extend the Delaware filing if it's properly cross-referenced. You need to verify the filing numbers match up.

Wait, I thought continuations had to be filed in the same state as the original UCC-1? How can Texas continue a Delaware filing?

Good catch - that's not how continuations work. If there's a UCC-3 continuation in Texas, it would only apply to a Texas UCC-1. The Delaware and Texas filings would be separate.

How does that work exactly? Do you just upload the UCC documents from OneSearch?

Yes, you can upload the PDFs directly from OneSearch or any state system. It analyzes all the document details and flags potential name mismatches or filing number inconsistencies. Really helpful when you're dealing with multiple variations like you described.

This is why I always do separate searches in each individual state system too, not just OneSearch. Sometimes the state databases have additional details or corrections that don't show up in the consolidated search.

Good point, though that's so time consuming when you're dealing with multiple states. I wish there was a better way to verify everything matches up.

I see one UCC-3 amendment on the Delaware filing but I'm not sure what it changed. The OneSearch summary doesn't show the details of amendments clearly.

You'll need to pull the actual UCC-3 document to see what was amended. Could be a collateral change, debtor name correction, or secured party assignment.

This is getting complicated. Maybe worth having a UCC attorney review everything before your closing?

That's a good point about checking business registrations. I hadn't thought about DBAs potentially showing up as separate entries.

Yeah, and sometimes parent companies and subsidiaries can have very similar names but be legally separate entities for UCC purposes.

Two different secured parties. One is 'Regional Bank' and the other is 'Regional Banking Corp' - could be the same institution with different legal names over time.

Definitely worth checking if Regional Bank became Regional Banking Corp through a merger or name change. That would explain why you're seeing filings under both names.

Bank name changes are super common and create this exact problem in UCC searches. The assignments don't always get filed properly when banks merge or change names.

Does it work with OneSearch exports or do you need to get documents from individual state systems?

Works with any PDF UCC documents, including OneSearch exports. The key is that it reads the actual document content, not just summary data, so it catches details you might miss.

That's concerning. How recent of filings are we talking about - same day, or could it be several days behind?

Usually it's just 24-48 hours, but I've seen it be up to a week behind during busy periods. Better safe than sorry for a closing.

I always do a final check in the actual state systems the day of closing just to be absolutely sure nothing new was filed.

Better to catch it now than after your deal closes. UCC name matching rules can be really strict depending on the state.

I learned this the hard way - always better to over-search than under-search when it comes to UCC due diligence.

Glad it worked out! This is exactly why proper UCC verification is so important before closing.

Thanks for following up with the resolution. Helps the rest of us learn from your experience.