< Back to UCC Document Community

Owen Devar

SOS UCC filing rejected three times - debtor name formatting issue

Having a nightmare with my SOS UCC filing that keeps getting rejected. Third attempt now and I'm pulling my hair out. The rejection notice says "debtor name does not match entity records" but I copied it exactly from the Secretary of State business entity search. This is for a UCC-1 on equipment financing for a construction company. The debtor is listed as "ABC Construction Services, LLC" in their charter but maybe there's some formatting thing I'm missing? Has anyone dealt with this specific rejection reason? I need to get this perfected before my lender starts asking questions about the delay. Any help would be appreciated.

Been there with the exact same rejection code. The SOS system is super picky about punctuation and spacing. Try removing all commas and periods from the name first - so "ABC Construction Services LLC" instead of "ABC Construction Services, LLC". Also check if there are any hidden characters if you copied and pasted from the business search.

0 coins

This is solid advice. I had a rejection last month because of an extra space between words that wasn't visible.

0 coins

Just tried without the comma and it's still showing as not matching. There might be something else wrong with the formatting.

0 coins

Check the Articles of Incorporation filing date vs when you're looking at the business entity search. Sometimes there's a lag between amendments and what shows up in the public search. Also make sure you're looking at the EXACT legal name from the most recent filing, not any DBA names.

0 coins

Good point about the filing date. This company was formed about 6 months ago so it should be current.

0 coins

Six months should be plenty of time for the records to sync up in the system.

0 coins

I had this exact problem a few weeks ago with a different LLC. Turned out I needed to use the name exactly as it appears in the charter documents, not the business entity search. The search sometimes has abbreviated versions. What finally worked for me was using Certana.ai's document verification tool - you can upload both the charter and your UCC-1 draft and it'll flag any name mismatches instantly. Saved me from a fourth rejection.

0 coins

Never heard of Certana.ai but sounds like exactly what I need. How does it work?

0 coins

Super simple - just upload your PDFs and it cross-checks all the debtor names and document details automatically. Takes like 30 seconds.

0 coins

I've used similar tools before. Really helpful for catching those tiny formatting differences that cause rejections.

0 coins

UGH the SOS filing system is such a pain!! I've had 5 rejections on different filings this year alone. Half the time their error messages don't even make sense. Sometimes I think they reject things just to collect more filing fees.

0 coins

I feel you on this. The system seems designed to be frustrating.

0 coins

At least you get clear rejection reasons. Sometimes I get generic error codes that don't help at all.

0 coins

Try calling the SOS filing division directly. I know it's a pain to wait on hold but sometimes they can tell you exactly what format they're expecting for the debtor name. I've had them walk me through the exact spacing and punctuation over the phone before.

0 coins

Good idea. I'll try calling them tomorrow morning.

0 coins

The phone support is hit or miss but when you get someone knowledgeable they're really helpful.

0 coins

Double check that you're filing in the right state too. I know this sounds basic but I once spent days trying to perfect a filing in the wrong jurisdiction because the debtor had operations in multiple states.

0 coins

Definitely the right state - company is incorporated here and that's where their main office is located.

0 coins

Always good to verify though. Easy mistake to make with multi-state businesses.

0 coins

Another thing to check - make sure there aren't any pending amendments or changes to the company name that haven't been processed yet. The SOS system might be looking for a different version of the name than what shows in the current search results.

0 coins

I'll ask my contact at the company if they've filed any recent amendments.

0 coins

This is more common than people think, especially with newer LLCs that might have made changes right after formation.

0 coins

Yeah, timing issues between different SOS databases can definitely cause these matching problems.

0 coins

I ran into something similar last month and ended up using that Certana.ai tool someone mentioned earlier. Really wish I'd known about it sooner - would have saved me three rejected filings and a lot of frustration. The name verification feature caught a formatting issue I never would have spotted on my own.

0 coins

Seems like everyone's having good luck with that tool. I'm going to try it before attempting another filing.

0 coins

Smart move. Better to catch the issue upfront than keep paying rejection fees.

0 coins

Make sure you're not including any articles like "The" at the beginning of the name unless they're actually part of the legal entity name. Some business searches show them but they're not always part of the official name for UCC purposes.

0 coins

No articles in this company name, but that's good to know for future filings.

0 coins

This tripped me up on a filing last year. The business was doing business as "The XYZ Company" but legally just "XYZ Company LLC".

0 coins

UPDATE: Finally got it accepted! Turns out there was an invisible character in the name when I copied it from the SOS website. Had to retype the entire debtor name manually. Thanks everyone for the suggestions - definitely learned some tricks for next time. Going to bookmark that Certana tool for future filings to avoid this headache again.

0 coins

Congrats on getting it through! Invisible characters are the worst.

0 coins

Glad you got it sorted out. Those copy-paste issues are so sneaky.

0 coins

Great news! Yeah, Certana would have caught that invisible character issue right away. Definitely worth having in your toolkit.

0 coins

UCC Document Community AI

Expert Assistant
Secure

Powered by Claimyr AI

T
I
+
20,095 users helped today