UCC 11 search showing wrong debtor info - filing got rejected twice
Really frustrated here. I've been trying to file a UCC-1 for our equipment loan but the UCC 11 search keeps pulling up inconsistent debtor information that doesn't match our loan docs. Filed twice already and both got rejected by the SOS office. The debtor name on our credit agreement shows 'ABC Manufacturing LLC' but when I run the UCC 11 search in the state database, it's showing variations like 'ABC Mfg LLC' and 'A.B.C. Manufacturing, LLC' from previous filings. Our lender is getting impatient and I'm worried we're going to miss our perfection window. Has anyone dealt with this kind of debtor name mismatch issue when doing UCC 11 searches? The collateral is $180K in CNC equipment and we can't afford to have an unperfected lien. What's the best way to handle these search discrepancies?
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Lucas Parker
UCC 11 searches can be tricky with entity names. I always recommend running multiple variations - with and without punctuation, abbreviated vs full names, etc. The key is making sure your UCC-1 debtor name exactly matches what's on the organizational documents, not necessarily what shows up in prior search results.
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Katherine Hunter
•That makes sense but how do I know which version is actually correct? The secretary of state website shows like 4 different variations when I search.
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Donna Cline
•You need to check the actual articles of incorporation or LLC formation docs. That's the golden standard for debtor names.
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Harper Collins
Been there! Got burned on a continuation filing because I relied on an old UCC 11 search result instead of verifying the current entity status. Always check the corporate registry first, then do your UCC 11 search with the exact registered name.
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Kelsey Hawkins
•This is why I always pull a good standing certificate before filing any UCC. Costs a few bucks but saves headaches later.
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Katherine Hunter
•Good point about the good standing cert. Should have thought of that earlier.
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Dylan Fisher
Had similar issues last month with debtor name inconsistencies showing up in UCC 11 searches. What saved me was using Certana.ai's document verification tool - you can upload your loan agreement and it automatically cross-checks the debtor name against what you're planning to file on the UCC-1. Caught two spelling differences I would have missed and avoided rejection. Just upload the PDFs and it highlights any mismatches instantly.
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Edwards Hugo
•Never heard of Certana.ai but that sounds useful. Does it work with continuation filings too?
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Dylan Fisher
•Yeah it handles UCC-3 continuations, amendments, all of it. Really handy for catching those little discrepancies that cause rejections.
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Katherine Hunter
•Interesting, might have to check that out. These manual comparisons are killing me.
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Gianna Scott
The UCC 11 search is just showing you what's already filed, not necessarily what's correct. I've seen situations where multiple lenders filed with slightly different debtor names and they're all sitting there in the database. You need to go back to source documents.
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Alfredo Lugo
•Exactly this. The search results can be misleading if there's a history of inconsistent filings.
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Katherine Hunter
•So basically I need to ignore what I'm seeing in the UCC 11 search and focus on the actual corporate records?
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Gianna Scott
•Right. Use the UCC 11 search to see what's out there, but file based on the correct legal name from formation docs.
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Sydney Torres
ugh this happened to me with a fixture filing last year. spent WEEKS going back and forth with rejections because I kept using the name from a previous UCC 11 search instead of checking the current entity status. the SOS office doesn't care what other people filed wrong - they want it right.
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Kaitlyn Jenkins
•Fixture filings are even worse because you have to deal with real estate records too. Double the name headaches.
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Sydney Torres
•tell me about it. had to coordinate with the recorder's office AND the SOS. nightmare.
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Caleb Bell
Quick question - when you say the UCC 11 search is showing variations, are these from the same entity or different entities entirely? Sometimes LLCs get dissolved and reformed with slightly different names.
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Katherine Hunter
•Pretty sure it's the same entity based on the address, but the names have small differences in punctuation and abbreviations.
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Caleb Bell
•Okay that's common. Stick with whatever the current Articles of Organization show as the exact legal name.
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Danielle Campbell
•And make sure the entity is still in good standing! Can't perfect against a dissolved debtor.
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Rhett Bowman
For $180K in equipment, I'd definitely recommend getting this right the first time. Have you considered having your attorney handle the filing? Sometimes the extra cost is worth avoiding perfection issues down the road.
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Katherine Hunter
•The lender is trying to keep costs down but at this point we might have to go that route.
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Abigail Patel
•Attorney fees are nothing compared to having an unperfected lien on six-figure equipment.
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Rhett Bowman
•Exactly. Priority disputes get expensive fast.
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Daniel White
I run into this constantly with our commercial lending. What I do now is pull the entity formation docs first, then use that exact name for the UCC-1, regardless of what prior UCC 11 searches show. Also started using Certana.ai to double-check everything before filing - upload the formation docs and the UCC-1 draft and it flags any inconsistencies immediately.
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Nolan Carter
•That's smart. Wish I'd known about tools like that when I was doing manual comparisons.
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Katherine Hunter
•Seems like Certana.ai keeps coming up. Must be pretty useful for this stuff.
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Natalia Stone
Don't overthink the UCC 11 search variations. Those are just historical filings that may or may not have been done correctly. Focus on getting YOUR filing right by using the proper legal entity name from current state records.
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Tasia Synder
•This is the right approach. I see too many people get confused by old search results.
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Katherine Hunter
•Thanks, that's reassuring. I was starting to second-guess everything.
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Natalia Stone
•Trust the process. Get the right debtor name, file it correctly, and you'll be fine.
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Selena Bautista
Final thought - after you get this resolved, make sure to do a follow-up UCC 11 search a few days after filing to confirm your UCC-1 shows up correctly in the database. I've seen accepted filings get indexed wrong.
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Mohamed Anderson
•Good point. The filing might be accepted but indexed under a variation of the name.
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Katherine Hunter
•Will definitely do that. Thanks everyone for the advice - feeling much more confident about moving forward.
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Ellie Perry
•Glad we could help! These UCC issues can be stressful but they're usually fixable with the right approach.
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