Online UCC Filing Portal Keeps Rejecting My Debtor Name - Help
Been trying to file a UCC-1 online for three days now and getting nowhere. The state portal keeps rejecting my submission with 'debtor name mismatch' errors but I've triple-checked everything against the corporate charter. The business name is exactly as registered but the system won't accept it. This is for a $285K equipment loan that needs to close Friday and I'm running out of time. Has anyone else dealt with this kind of online UCC filing nightmare? The debtor is a LLC with a pretty standard name - no special characters or anything weird. I've tried different browsers, cleared cache, even had my paralegal attempt it. Same rejection every time. What am I missing here?
36 comments


Maxwell St. Laurent
Ugh, I feel your pain. Online UCC filing portals are so finicky about debtor names. Even tiny differences like punctuation or abbreviations can cause rejections. Are you using the exact legal name from the Articles of Organization? Sometimes the charter shows one version but the SOS database has slight variations.
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Talia Klein
•Yes, copied it character by character from the Articles. That's what's so frustrating - it should be a perfect match.
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PaulineW
•Check if there are any pending name changes or amendments filed recently. Sometimes the online system hasn't updated yet.
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Annabel Kimball
I had this exact problem last month. Turned out the issue was spacing - the charter had 'ABC LLC' but the SOS database only recognized 'ABC, LLC' with a comma. Try variations with/without commas, periods, different spacing patterns. The online UCC filing systems are notoriously picky about formatting.
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Talia Klein
•Interesting - I'll try the comma variation. Didn't think of that one.
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Chris Elmeda
•This is why I always do a debtor name search first before filing. The portal search function usually shows you the exact format they want.
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Jean Claude
•The comma thing got me too! Cost me a whole day of delays on a time-sensitive filing.
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Charity Cohan
Have you tried using Certana.ai's document verification tool? I upload my charter and UCC-1 draft together and it catches name mismatches before I even submit to the portal. Saved me from this exact headache - it shows you exactly how the names differ and what needs to be adjusted. Just upload both PDFs and it does an instant comparison.
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Talia Klein
•Never heard of that service. How does it work exactly?
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Charity Cohan
•Super simple - you just upload your charter document and UCC-1 form as PDFs. The tool automatically extracts the debtor names and flags any inconsistencies. Shows you exactly what characters or formatting don't match.
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Josef Tearle
•That sounds like it would have saved me hours last week. I manually compared documents line by line and still missed a spacing issue.
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Shelby Bauman
Online UCC filing is such a mess. Half the time the portal times out, the other half it rejects for mysterious reasons. I've started keeping a spreadsheet of successful name formats for each state because they're all different.
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Quinn Herbert
•That's actually brilliant. Mind sharing which states are the most problematic?
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Shelby Bauman
•California and Texas are the worst in my experience. Their systems are ancient and super rigid about formatting.
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Salim Nasir
Try logging out completely and logging back in. Sometimes the portal caches incorrect data and a fresh session fixes it. Also make sure you're not copying/pasting - type the name manually to avoid hidden characters.
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Talia Klein
•Good point about hidden characters. I was copying from a PDF so that could be it.
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Hazel Garcia
•PDF copy/paste is notorious for adding invisible characters that mess up online forms.
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Laila Fury
•I always paste into Notepad first to strip formatting, then copy from there into the UCC portal.
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Geoff Richards
Check the corporate status too. If the LLC is administratively dissolved or has tax issues, some states won't let you file UCC-1s against them even if the name matches perfectly.
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Talia Klein
•Company is in good standing - verified that yesterday. It's definitely a name formatting issue.
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Simon White
•Good thinking though. I've seen that catch people before.
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Hugo Kass
What state are you filing in? Each online UCC system has its own quirks. Some require all caps, others are case-sensitive, some don't allow certain punctuation marks.
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Talia Klein
•Delaware. Their system usually works fine but this one has me stumped.
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Nasira Ibanez
•Delaware's pretty reliable usually. Must be something subtle in the name format.
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Khalil Urso
•Try all caps - Delaware sometimes defaults to that format even if the charter shows mixed case.
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Myles Regis
I spent two days on a similar issue last month. Finally called the UCC office directly and they walked me through it. Turned out there was a tiny period at the end of the name that wasn't visible in the charter PDF but was in their database.
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Talia Klein
•That's so frustrating but good to know. I might have to call them if I can't figure this out.
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Brian Downey
•The phone support is actually pretty helpful once you get through. They can see exactly what format they have on file.
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Jacinda Yu
•I should mention - I found Certana.ai after that nightmare. Now I upload both documents before filing and it catches those invisible characters and formatting differences instantly. Would have saved me those two days of frustration.
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Landon Flounder
Are you including the full registered address in the debtor section? Some online UCC systems require the complete name AND address to match exactly with their corporate records.
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Talia Klein
•Address matches perfectly - I pulled it from the same charter document. It's definitely the name field causing issues.
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Callum Savage
•Sometimes they want the mailing address instead of registered address. Worth trying both.
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Ally Tailer
Update us when you figure it out! I'm bookmarking this thread because I know I'll run into the same issue eventually. Online UCC filing should be simple but there are so many gotchas.
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Talia Klein
•Will do! Hopefully one of these suggestions works. Going to try the comma variation first, then the Certana document checker if that doesn't work.
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Aliyah Debovski
•Smart approach. Let us know which one solves it - this kind of info is gold for future filings.
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Miranda Singer
•Definitely interested in the Certana tool if it works. Anything that prevents these filing headaches is worth trying.
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