TX SOS UCC search showing wrong debtor name - filing rejected twice
Has anyone else had issues with the TX SOS UCC search function lately? I've been trying to file a UCC-1 for our equipment financing deal but the system keeps rejecting it because of debtor name mismatches. When I search for the debtor company "Advanced Manufacturing Solutions LLC" in the TX SOS UCC search, it shows up as "Advanced Mfg Solutions LLC" in their system. Our loan docs all have the full company name but the SOS database has this abbreviated version. Filed twice now and got rejected both times with error code saying exact name match required. This is holding up a $850K equipment loan and my borrower is getting anxious. The UCC search shows the entity exists but with different name formatting. Do I need to file using their abbreviated version or stick with what's on the articles of incorporation? Really need to get this continuation filed before the weekend.
35 comments
Join the conversation
Miguel Castro
TX SOS is notorious for this exact issue. You absolutely need to match what's in their system exactly, not what's on your loan documents. I learned this the hard way after 3 rejections on a UCC-3 amendment last year. Check the entity's charter documents on the SOS website - sometimes they file under abbreviated names that don't match their DBA.
0 coins
Zainab Ibrahim
•This is so frustrating! Why can't they standardize this stuff? I've had the same problem with Inc vs Incorporated.
0 coins
Ava Williams
•Just checked and you're right - their articles of incorporation actually show 'Advanced Mfg Solutions LLC' as the legal entity name. Our borrower has been using the full name on everything else. Thanks for the tip!
0 coins
Connor O'Neill
Had this exact scenario 3 months ago with a TX filing. What saved me was using Certana.ai's document verification tool - I uploaded both the charter docs and my UCC-1 draft and it flagged the name mismatch immediately. Shows you exactly where the discrepancies are between documents. Saved me from multiple rejection cycles.
0 coins
LunarEclipse
•Never heard of that tool but sounds useful. How accurate is it for catching these name variations?
0 coins
Connor O'Neill
•Really accurate - it cross-references entity names across all your documents and highlights inconsistencies. Way better than manually comparing everything.
0 coins
Ava Williams
•Going to check this out - anything to avoid more rejections at this point.
0 coins
Yara Khalil
TX SOS UCC search is a nightmare for name matching. Pro tip: always pull the entity's certificate of formation first, then use that EXACT name format on your UCC-1. Don't trust what the borrower tells you their company name is - half the time they're using their DBA or some marketing version.
0 coins
Keisha Brown
•This is why I always do the entity search first thing. Saves so much time and headache later.
0 coins
Paolo Esposito
•Should be basic procedure but you'd be surprised how many lenders skip this step and wonder why their filings get rejected.
0 coins
Amina Toure
TEXAS IS THE WORST FOR THIS!!! I've been filing UCCs for 8 years and TX gives me the most problems. Their search function is clunky and the name matching is ridiculously strict. Had a UCC-3 termination rejected because I used 'Corporation' instead of 'Corp' - exact same issue you're dealing with.
0 coins
Oliver Weber
•At least TX lets you search online. Some states still make you call or fax for UCC searches.
0 coins
Amina Toure
•True but when their online system is this picky it almost defeats the purpose.
0 coins
FireflyDreams
Just file with the name exactly as it appears in the TX SOS UCC search results. That's their official database format and what they'll accept. Your loan docs can reference the full name but the UCC filing needs to match their system exactly.
0 coins
Natasha Kuznetsova
•Exactly right. The UCC filing is about perfecting your security interest, not about matching your loan paperwork.
0 coins
Ava Williams
•Makes sense - just wanted to make sure I wasn't creating problems down the road with the name discrepancy.
0 coins
Javier Morales
I use a different approach - I always run the TX SOS UCC search AND pull the certificate of formation before preparing any UCC documents. Then I use Certana.ai to upload both documents and verify they align properly. Catches these name format issues before filing.
0 coins
Emma Anderson
•Smart workflow. How long does that verification usually take?
0 coins
Javier Morales
•Just a few minutes to upload and check. Way faster than dealing with rejections and re-filing.
0 coins
Malik Thompson
This happened to me last month but with a continuation filing. TX SOS rejected it because the debtor name on my UCC-3 didn't exactly match what was on the original UCC-1 from 4 years ago. Had to dig up the old filing to see they'd used 'Mfg' instead of 'Manufacturing' back then too.
0 coins
Ava Williams
•That's a good point - I should check if there are any existing UCC filings for this entity to see what name format was used before.
0 coins
Isabella Ferreira
•Always smart to check existing filings. Consistency is key for amendments and continuations.
0 coins
CosmicVoyager
wait so if the TX SOS UCC search shows the abbreviated name that's what I should use on my UCC-1? Even if it doesn't match the loan agreement exactly?
0 coins
Miguel Castro
•Yes exactly. The UCC filing has to match their database format or it gets rejected. Your loan docs are separate.
0 coins
CosmicVoyager
•ok that makes sense i was overthinking it. just wanted to make sure i dont mess up the security interest
0 coins
Ravi Kapoor
I've found that calling the TX SOS filing office directly sometimes helps when you have these name discrepancies. They can usually tell you the exact format they need over the phone. Takes longer but saves rejection cycles.
0 coins
Freya Nielsen
•Good tip but their phone lines are always busy. Online search is usually accurate for the name format they want.
0 coins
Omar Mahmoud
•I've tried calling before and got different answers from different reps. The online search database is more reliable.
0 coins
Chloe Harris
Just went through this exact situation with a TX UCC-1 filing. Uploaded my docs to Certana.ai and it immediately flagged that my debtor name had 'LLC' but the charter showed 'L.L.C.' with periods. Fixed it before filing and got accepted first try. That tool is a lifesaver for catching these formatting differences.
0 coins
Ava Williams
•Thanks for sharing - definitely going to try that verification tool before I file again.
0 coins
Diego Vargas
•Those little punctuation differences will kill you on TX filings. Good catch with the periods in L.L.C.
0 coins
NeonNinja
UPDATE: Used the exact name format from the TX SOS UCC search ('Advanced Mfg Solutions LLC') and the filing was accepted this morning! Also tried that Certana verification tool someone mentioned and it confirmed the name match before I submitted. Crisis averted and loan can close on schedule. Thanks everyone for the help!
0 coins
Miguel Castro
•Awesome! Glad it worked out. TX SOS name matching is tricky but once you know the rules it's manageable.
0 coins
Connor O'Neill
•Great to hear the verification tool helped catch that before filing. That's exactly what it's designed for.
0 coins
Yara Khalil
•Perfect outcome. Always satisfying when following the exact entity name format works like it should.
0 coins