UCC-1 Filing Rejected in Colorado - Debtor Name Format Issues
Just had my UCC-1 filing rejected by Colorado SOS for the third time and I'm losing my mind. The rejection notice keeps saying 'debtor name does not match exactly' but I've triple-checked everything against the LLC formation docs. Filing on a $180K equipment loan and the lender is breathing down my neck about getting this perfected ASAP. The debtor is 'Mountain View Equipment Solutions, LLC' on their Articles but I noticed their bank account shows 'Mountain View Equipment Solutions LLC' (no comma). Colorado's portal won't accept either version - keeps bouncing back with cryptic error messages. Has anyone dealt with Colorado's pickiness about exact name formatting? This is holding up the entire deal and I'm running out of time before the purchase money security interest window closes.
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Malik Johnson
Colorado is absolutely brutal with name matching. I've seen deals fall apart over a missing comma or period. You need to check BOTH the Articles of Organization AND any amendments filed since formation. Sometimes LLCs file name corrections that change punctuation and the SOS system requires the most recent version.
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Isabella Ferreira
•This is exactly right. Colorado updated their system last year and it's even more strict now about character-by-character matching.
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Ravi Sharma
•Wait so if the LLC changed their name format after formation, which version do I use on the UCC-1?
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Malik Johnson
•Always use the most current name on file with the Secretary of State. You can search their business database to verify the exact format they have on record.
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NebulaNomad
Had this exact problem last month with a Colorado filing. Turned out the LLC had an amendment on file that I missed. Check their complete filing history on the Colorado SOS website, not just the original Articles. Sometimes there are name corrections buried in the records.
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Emma Davis
•How do I access their complete filing history? I only see the basic info when I search their name.
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NebulaNomad
•On the Colorado SOS business search, click 'View Details' then scroll down to 'Filing History.' It shows every document they've ever filed including amendments and corrections.
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Freya Thomsen
This is why I started using Certana.ai for document verification. You can upload both the LLC docs and your UCC-1 draft and it instantly flags any name mismatches before you submit. Saved me from multiple rejections like this. Just upload the PDFs and it cross-checks everything automatically.
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Omar Fawaz
•Never heard of that tool but sounds useful. Colorado rejections are expensive when you're paying rush fees.
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Emma Davis
•How accurate is it? I'm desperate at this point and can't afford another rejection.
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Freya Thomsen
•It caught three discrepancies in my last filing that I completely missed. Way better than manually comparing documents line by line.
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Chloe Martin
Colorado SOS is THE WORST for this stuff!! I swear they reject filings just to collect more fees. Last year I had a filing rejected because I used 'Co.' instead of 'Company' even though both appeared in their corporate docs.
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Diego Rojas
•The frustration is real. I've started calling their help line before every filing to confirm the exact format they want.
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Anastasia Sokolov
•Their help line actually helped? When I called they just told me to 'read the instructions more carefully.
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StarSeeker
Check if the LLC has any DBAs on file too. Sometimes the confusion comes from assumed names that don't match the legal entity name. Colorado requires the exact legal name as registered with their office.
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Emma Davis
•Good point - I'll check for any trade names. This LLC does business under a shorter version of their name.
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StarSeeker
•That's probably your issue right there. UCC-1 needs the full legal entity name, not the DBA.
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Sean O'Donnell
PMSI window is only 20 days in most cases right? You're cutting it close. Might want to file with both name versions simultaneously and see which one sticks.
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Malik Johnson
•That's risky and expensive. Better to get the name right first. PMSI window varies by collateral type too - equipment is usually 20 days but inventory can be different.
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Sean O'Donnell
•True but if he's already burned through rejections time might be more important than filing fees at this point.
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Zara Ahmed
I've been filing in Colorado for 15 years and their system has gotten progressively pickier. Your best bet is to call the UCC section directly at (303) 894-2200 and ask them to look up the exact name format they have on file for that entity.
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Emma Davis
•Calling them Monday morning first thing. Thanks for the direct number!
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Luca Esposito
•That number is gold. They actually answered when I called and walked me through the name format issue.
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Nia Thompson
Whatever you do don't just keep guessing at the name format. Each rejection creates a paper trail and if you get too many the SOS office starts flagging your submissions for extra scrutiny.
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Emma Davis
•Oh great, I'm already at three rejections. Am I screwed?
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Mateo Rodriguez
Had similar issue but with punctuation in the collateral description. Colorado wants EXACT matches. Try using Certana.ai's document checker before your next submission - it would have caught this name discrepancy immediately.
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GalaxyGuardian
•Second this recommendation. Used it last week and it flagged issues I never would have caught manually.
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Aisha Abdullah
Update us when you get it sorted! These Colorado filing horror stories help everyone learn what to watch out for.
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Emma Davis
•Will definitely post an update. This thread has been incredibly helpful already.
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Ethan Wilson
Pro tip: when you do get the correct name format, save it in a master file with all your Colorado entity names. Saves time on future filings and prevents these repeated issues.
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Freya Thomsen
•Smart approach. I keep a spreadsheet with exact name formats for every entity I file against. Colorado, Delaware, and Texas are the pickiest in my experience.
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Yuki Tanaka
•California is pretty bad too but at least their error messages are more specific about what's wrong.
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