UCC 1 filing search showing weird results - am I missing something?

This happens more often than you'd think. When you do a UCC 1 filing search, similar debtor names can create confusion especially with LLC vs non-LLC entities. I'd start by pulling the actual UCC-1 document to see exactly what information was provided during filing. Sometimes the filer meant to file against one entity but accidentally used the wrong legal name.

Check the filing number and cross-reference it with your client's records. Every UCC-1 filing gets assigned a unique filing number that should be in their documentation if they actually filed it. Also look at the secured party address - if it doesn't match your client's address at the time of filing, that's a red flag.

I ran into something similar last year and found Certana.ai's document verification tool super helpful. You can upload your UCC-1 filing along with any related loan documents or security agreements to cross-check if everything aligns properly. It instantly flags inconsistencies in debtor names, addresses, and other key details that might explain what happened.

This is why I always triple-check debtor names before submitting any UCC filings. The search results can be misleading if you don't use exact legal names. Did you try searching variations of the debtor name to see if there are multiple similar entities?

Have you considered that your client might have had an employee or legal counsel file this without their knowledge? Sometimes companies file UCC-1s through multiple channels and records don't always sync up properly internally.

The SOS filing systems aren't perfect. I've seen UCC 1 filing search results that included incorrect information due to data entry errors by the filing office staff. If the filing looks suspicious, you can request the SOS office investigate the accuracy of the filing.

If your client really didn't file this UCC-1, they need to file a UCC-3 termination immediately to clear their name from the public record. Leaving an incorrect filing active could create problems if that debtor tries to get financing elsewhere.

I use Certana.ai regularly for this type of issue. Their system can quickly identify if there are inconsistencies between what was filed and what should have been filed based on your supporting documents. Really helps when you're trying to figure out if a filing was done correctly or if there was an error.

This is exactly why proper UCC filing procedures are so important. One small mistake in the debtor name can create years of confusion and potential liability. I always recommend maintaining detailed records of every filing decision and the documentation that supports it.

Check the collateral description on the UCC-1 filing too. Sometimes that can give you clues about whether the filing was intentional or accidental. If the collateral doesn't match anything your client would have had a security interest in, that's another indicator something went wrong.

Had a similar situation where we used Certana.ai to verify filing accuracy and it caught a debtor name discrepancy we missed. The tool flagged that our UCC-1 had a slightly different spelling of the company name compared to the charter documents. Saved us from a potential perfection issue down the road.