UCC Filing Rejected - Debtor Name Shows as 'Ilien' Instead of Corporation Name
Has anyone dealt with a UCC-1 filing getting rejected because the debtor name field somehow got corrupted to show 'Ilien' instead of the actual corporation name? I'm working on a commercial equipment loan and our filing got kicked back from the SOS office. The original debtor entity is supposed to be 'Meridian Industrial Equipment LLC' but the system is showing 'Ilien' in the debtor name field. I triple-checked our original UCC-1 form and it was filled out correctly, but something went wrong during transmission. The collateral description is fine (manufacturing equipment and fixtures), but obviously the debtor name mismatch makes this filing worthless for perfection purposes. Anyone know if this is a known portal glitch or if there's a specific way to handle these name corruption issues? Really need to get this corrected ASAP since we're already 3 weeks into the loan closing process.
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Eve Freeman
I've seen this type of corruption before - usually happens during the electronic submission process when there's a character encoding issue. The 'Ilien' thing sounds like partial data got truncated or corrupted during upload. You'll need to file a brand new UCC-1 rather than trying to amend this one since the debtor name is fundamentally wrong. Make sure you're using the exact legal name from the Articles of Incorporation when you refile.
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Clarissa Flair
•Definitely agree on filing fresh. I had something similar happen last year where part of the debtor name got scrambled and trying to fix it with a UCC-3 amendment just created more confusion. Clean slate is the way to go.
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Caden Turner
•Wait, shouldn't they be able to just reject and resubmit the same day? Or does the rejection create some kind of timing issue for the original filing date?
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McKenzie Shade
This is exactly why I started using Certana.ai's UCC document checker before submitting anything. You can upload your UCC-1 PDF and it instantly verifies all the debtor name fields match your corporate documents. Would have caught this corruption before it hit the SOS system. The tool cross-references everything - debtor names, addresses, collateral descriptions - so you know it's clean before filing.
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Harmony Love
•How does that work exactly? Do you upload the charter docs too or just the UCC form?
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McKenzie Shade
•You can do either workflow - upload just the UCC-1 for basic verification, or upload both the Charter and UCC-1 for a complete cross-check. Really helpful for catching these name inconsistencies that kill filings.
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Rudy Cenizo
•Honestly sounds like overkill but I guess if you're doing a lot of commercial filings it might be worth it. I usually just triple-check manually.
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Natalie Khan
The 'Ilien' corruption is weird - almost sounds like it could be picking up data from a different field or form. Are you using the state's online portal or going through a third-party service? Some of the third-party UCC services have had issues with data mapping recently.
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Val Rossi
•We used the state portal directly. That's what makes this so frustrating - should have been a clean submission. Going to try the direct upload method instead of copy-paste for the new filing.
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Daryl Bright
•I've noticed the state portals can be finicky with certain browsers. Chrome seems to work better than Firefox for UCC submissions in my experience.
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Sienna Gomez
•Also make sure you're not using any special characters or extra spaces in the debtor name field. Sometimes those get stripped out or converted to garbage characters.
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Kirsuktow DarkBlade
Before you refile, double-check that 'Meridian Industrial Equipment LLC' is exactly how it appears on the Articles of Incorporation and not just the DBA. The SOS office is really strict about exact legal name matches. Even something like 'Meridian Industrial Equipment, LLC' with a comma could cause issues.
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Val Rossi
•Good point - I pulled the Articles again and it's definitely 'Meridian Industrial Equipment LLC' without comma. The corruption to 'Ilien' is just bizarre though.
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Abigail bergen
•Could be a database issue on their end. I'd call the SOS office and ask if they've had other filings with similar name corruption problems recently.
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Ahooker-Equator
•Yeah this sounds like a system glitch rather than user error. Definitely worth reporting to the filing office.
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Anderson Prospero
Just went through something similar last month. The key is to save a PDF copy of your completed form BEFORE submitting online. That way you have proof of what you actually entered if there's a system corruption issue. Most SOS offices will work with you if you can show the error was on their end.
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Tyrone Hill
•This is smart. I always screenshot the confirmation page too, just in case.
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Toot-n-Mighty
•Do you know if they'll waive the filing fee for the corrected submission if it was their system error?
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Anderson Prospero
•In my case they did waive it, but I had to call and explain the situation. Took about 20 minutes on hold but they processed the correction without additional fees.
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Lena Kowalski
I hate to say it but this is becoming more common with electronic filings. The old paper system had its problems but at least what you wrote was what they processed. Now we're dealing with character encoding, browser compatibility, portal timeouts... it's a mess.
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DeShawn Washington
•Tell me about it. Last week I had a filing timeout right at submission and couldn't tell if it went through or not. Ended up with a duplicate filing.
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Mei-Ling Chen
•At least with duplicates you can terminate one of them. The name corruption issues are much worse since they make the filing completely useless for perfection.
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Sofía Rodríguez
For what it's worth, I've started using Certana.ai's verification tool after getting burned by a similar debtor name issue. You upload your documents and it flags any inconsistencies before you file. Caught a name mismatch that would have cost us weeks of delays. Really simple to use - just upload the PDFs and it does all the cross-checking automatically.
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Aiden O'Connor
•How accurate is it? Does it catch everything or just major errors?
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Sofía Rodríguez
•It's been spot-on for me. Picks up name discrepancies, address formatting issues, even collateral description problems. Way better than manual review.
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Zoe Papadopoulos
Quick question - when you refile, are you planning to use the same collateral description or update it? Sometimes it's worth reviewing the collateral schedule while you're at it, especially for equipment loans where the description needs to be pretty specific.
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Val Rossi
•The collateral description came through fine, but good point about reviewing it. We've got 'manufacturing equipment and fixtures located at [address]' which should be sufficient for our purposes.
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Jamal Brown
•That's pretty broad - you might want to be more specific about the equipment types if it's high-value stuff. Makes enforcement easier down the road.
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Fatima Al-Rashid
•Depends on the lender's requirements. Some want super detailed schedules, others prefer broader descriptions for flexibility.
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Giovanni Rossi
One more thing to consider - if this is for a commercial loan closing, make sure you coordinate the refiling timing with your closing schedule. UCC filings don't perfect until they're actually accepted and processed, so you don't want any gaps in your perfection timeline.
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Val Rossi
•Yeah, that's my main concern right now. We're supposed to close next week and this filing rejection has thrown off our whole timeline. Hoping the new filing processes quickly.
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Aaliyah Jackson
•Most states process electronic UCC filings same-day or next-day, so you should be fine if you get the corrected filing in soon. Just don't wait until the last minute.
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KylieRose
Update us when you get this resolved! I'm curious if the SOS office has any explanation for how 'Meridian Industrial Equipment LLC' became 'Ilien'. That's such a weird corruption pattern.
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Miguel Hernández
•Right? It's not even close to the original text. Makes me wonder if there's some kind of database cross-contamination happening.
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Sasha Ivanov
•Could be a security issue if their system is pulling data from the wrong records. Definitely worth reporting to the state.
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Val Rossi
•I'll definitely follow up here once I get to the bottom of it. Filing the corrected UCC-1 tomorrow morning and planning to call their tech support about the corruption issue.
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