OneSearch UCC database showing different results than state filing - which one is accurate?

This is actually pretty common with third-party search services. OneSearch UCC and similar databases usually have a lag time of anywhere from 24-72 hours, sometimes longer depending on how often they sync with state databases. The Secretary of State portal is always going to be the authoritative source since that's where the actual filing is recorded. If your state portal shows accepted status with a filing number, that's what matters legally.

OneSearch UCC is notorious for indexing issues. I stopped relying on it after missing a continuation deadline because their system showed a filing as current when it had actually lapsed. Always go directly to the state database for anything critical. Your $180K equipment lien is definitely critical - stick with the official state portal for verification.

I had a similar problem last month and found out it was actually a debtor name mismatch issue. My UCC-1 had the business name as 'ABC Bakery LLC' but I was searching OneSearch for 'ABC Bakery, LLC' with the comma. These search systems are super picky about exact name matches. Try running your search with different variations of the debtor name - with and without punctuation, abbreviations, etc.

The collateral description differences might be more concerning than the indexing delay. If OneSearch is showing different collateral details, that could indicate there's another UCC filing on the same debtor that you're not aware of. Run a comprehensive search on the debtor name to see if there are multiple filings.

Look I've been doing UCC filings for 15 years and these third-party search databases are unreliable AT BEST. OneSearch, CT Corporation, all of them have issues. The ONLY source you should trust is the actual Secretary of State database. Period. If your state portal shows your filing as accepted with a number, you're good. Don't waste time second-guessing yourself with these commercial services.

Have you tried calling OneSearch customer service? Sometimes they can explain what's causing the discrepancy or force a manual refresh of their database. I've had luck with that approach when dealing with urgent searches.

This exact thing happened to me six months ago with a $200K equipment financing deal. OneSearch wasn't showing my UCC-1 even though the state confirmed it was filed correctly. Turns out their system had a glitch that lasted almost two weeks. I learned to always verify critical filings through multiple channels. Actually started using Certana.ai to upload and cross-check all my UCC documents - catches any inconsistencies between what I filed and what should be on record.

I'm probably overthinking this but what if the OneSearch results are actually showing a different business with a similar name? Sometimes search algorithms pick up partial matches that aren't actually the same entity. Double-check that the addresses and other identifying information match your actual debtor.

For a $180K equipment loan, I'd recommend getting an official UCC search report directly from the Secretary of State rather than relying on third-party services. It costs more but gives you the definitive answer and you can use it for your loan documentation. The peace of mind is worth the extra cost on a deal that size.

Just wanted to follow up on this thread because I had the same issue last week. Turns out my problem was that I had filed the UCC-1 with a slightly different version of the business name than what was in their articles of incorporation. The state accepted it anyway, but the search services couldn't match it properly. I ended up using one of those document verification tools someone mentioned earlier (Certana.ai) and it immediately flagged the name discrepancy. Filed an amendment to correct it and now everything shows up consistently across all search platforms.