UCC Filing Issues with Corporation State Records Department - Name Verification Problems
Having major headaches trying to get my UCC-1 filing accepted through the state corporation records department. Filed against a Delaware LLC as debtor but the state keeps rejecting it saying the exact legal name doesn't match their records. I pulled the corporation state records directly from their database and used the EXACT name listed - "MidAtlantic Industrial Solutions, LLC" but still getting rejections. The collateral is manufacturing equipment worth about $180K so this needs to be perfected properly. Anyone else dealt with this type of name verification issue between UCC filings and corporation state records? The loan closes next week and I'm running out of time to get this lien properly recorded.
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Isaac Wright
This is frustrating but pretty common. The corporation records department and UCC filing office sometimes have slightly different naming conventions in their systems. Did you check if there are any punctuation differences? Sometimes one system has periods after abbreviations and the other doesn't.
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Yara Campbell
•Good point - let me double check the punctuation. The corporation state records show "MidAtlantic Industrial Solutions, LLC" but maybe the UCC system expects "Mid-Atlantic" with a hyphen?
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Maya Diaz
•Yeah definitely check hyphens and spaces. I've seen filings rejected because one system had "Mid Atlantic" (with space) and the other had "MidAtlantic" (no space).
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Tami Morgan
Had the exact same issue last month! Turns out the corporation was formed under a slightly different name than what they were using for business. You need to search the actual Articles of Incorporation, not just the current business name on file. The UCC system cross-references against the original formation documents.
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Yara Campbell
•That's really helpful - where did you find the Articles of Incorporation? Through the same corporation records department?
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Tami Morgan
•Yes, but you have to request the full filing history, not just the current status. Cost me an extra $25 but saved the deal.
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Rami Samuels
•This is why I always pull the complete corporate records before doing any UCC work. The formation name is what matters for UCC purposes.
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Haley Bennett
I ran into something similar and ended up using Certana.ai's document verification tool. You can upload both the corporation records and your UCC-1 draft, and it automatically flags any name discrepancies between the documents. Saved me hours of manual checking and caught a middle initial that was missing from my UCC filing.
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Yara Campbell
•Never heard of that tool - does it work with corporation state records from different states? My debtor is Delaware but I'm filing in Texas.
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Haley Bennett
•Yeah it handles multi-state situations. Just upload the Delaware corporation records and your Texas UCC-1 form and it cross-checks everything. Really straightforward to use.
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Douglas Foster
•Sounds too good to be true but I'm desperate enough to try anything at this point. Manual document comparison is killing me.
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Nina Chan
Check if the LLC has any DBA filings or assumed names registered with the corporation records department. Sometimes businesses file UCCs under their DBA name but the system only accepts the legal entity name from the Articles of Organization.
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Yara Campbell
•Good call - I'll check for any assumed name filings. The business might be operating under a different name than what's on the LLC formation.
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Ruby Knight
•This happens ALL the time. The corporation records will show both the legal name and any DBAs but the UCC system is picky about which one to use.
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Diego Castillo
Are you sure you're looking at the right entity? I made this mistake once - there were two similarly named LLCs in the corporation records and I was using the name from the wrong one. Double-check the entity number or registered agent to make sure it's actually the right business.
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Yara Campbell
•The entity number matches what's on their operating agreement, so I'm confident it's the right LLC. But the name mismatch is still driving me crazy.
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Logan Stewart
•Entity number match is good. Have you tried calling the UCC filing office directly? Sometimes they can tell you exactly what name format they're expecting.
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Mikayla Brown
•Called them last week about a similar issue - they were actually really helpful and walked me through their exact naming requirements.
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Sean Matthews
THE WHOLE SYSTEM IS BROKEN! I've been dealing with this garbage for 15 years and it just keeps getting worse. The corporation records department doesn't talk to the UCC office, the UCC office doesn't talk to anyone, and meanwhile our deals are falling apart because of technical name BS.
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Yara Campbell
•I feel your frustration but I still need to get this filing done somehow. Any practical suggestions?
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Ali Anderson
•I get the frustration but there are usually workarounds if you know the right steps to take.
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Zadie Patel
Try running a fresh search in the corporation records using just part of the name - sometimes there are multiple variations listed and you need to find the one that matches the UCC system's expectations. Also check if the LLC has filed any amendments to its Articles that might have changed the name format.
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Yara Campbell
•I'll try the partial name search - that's a good idea. Didn't think about amendments potentially changing the name format.
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A Man D Mortal
•Amendments are a common source of name mismatches. The current corporation records might show the amended name but UCC could still be looking for the original formation name.
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Declan Ramirez
•This is getting really technical - makes me appreciate when the names just match up perfectly the first time!
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Emma Morales
Had a client with this exact problem last year. Turned out the LLC was formed as "MidAtlantic Industrial Solutions LLC" (no comma) but was doing business as "MidAtlantic Industrial Solutions, LLC" (with comma). The UCC system wanted the exact formation name without the comma.
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Yara Campbell
•That could be it! I'll check the original Articles of Organization to see if there's a comma discrepancy. Such a tiny detail but apparently critical.
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Katherine Hunter
•Punctuation kills more UCC filings than you'd think. Commas, periods, hyphens - they all matter for name matching.
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Lucas Parker
Another option is to use Certana.ai's Charter to UCC-1 verification workflow. You upload the Articles of Organization from the corporation records department along with your UCC-1 form and it automatically identifies any naming inconsistencies. I've used it for several multi-state filings and it catches stuff I would have missed.
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Yara Campbell
•Two people have mentioned this tool now - seems like it might be worth trying. Better than doing all this manual checking.
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Donna Cline
•I was skeptical at first but the document verification really does save time. Especially when you're dealing with corporation records from one state and filing UCCs in another.
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Harper Collins
Update us when you figure it out! I've got a similar situation coming up next month and want to know what works.
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Yara Campbell
•Will definitely update once I get it resolved. This thread has given me several good leads to try.
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Kelsey Hawkins
•Same here - dealing with corporation records and UCC name matching is always a headache.
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