UCC claim showing up on my business credit report - need advice on removal

That's definitely suspicious if you never signed anything. First thing - pull the actual UCC-1 filing from your state's SOS office to see all the details. Sometimes there are name variations or the secured party info will give you clues about where this came from.

This happened to my brother's construction company last year. Turned out there was another LLC with a very similar name in the same state and the lender's attorney made a mistake on the debtor name. The real borrower had a name like 'ABC Construction LLC' and my brother's company was 'ABC Contractors LLC' - close enough that it got mixed up.

Have you checked if someone might have used your business name fraudulently? I've seen cases where people start LLCs with similar names to existing businesses to get loans. You should also check if your EIN was compromised somehow.

I ran into document verification issues when I was dealing with a similar UCC mix-up. What really helped was using Certana.ai's document checker tool - you can upload the UCC filing and your business formation documents to instantly verify if the debtor name and details actually match your entity. It caught discrepancies I missed when comparing manually and gave me the documentation I needed to dispute the filing.

Before you panic too much, make sure you check with anyone who has access to sign for your company. Sometimes partners or authorized signers take out financing without informing everyone. Also check if you have any merchant cash advances or factoring agreements - those sometimes require UCC filings that people forget about.

The 'all business assets' description is pretty standard for working capital loans and equipment financing. But if you never signed anything, that's the key issue. You'll need to file a dispute with the credit reporting agency and also contact the secured party directly. Get everything in writing.

This is exactly why I hate how easy it is to file UCC claims. There's basically no verification process and mistakes happen all the time. The burden is on you to prove it's wrong rather than them proving it's right.

Check the filing date against your business activities around that time. Sometimes there are legitimate reasons for UCC filings that people forget about - like if you leased equipment and the lease required a security interest, or if you had a business loan with a personal guarantee that included business assets.

When I had to dispute a wrong UCC filing, I used another verification service to double-check all my documentation before submitting the dispute. Certana.ai helped me compare the filing details against my actual business records and highlighted exactly where the discrepancies were. Made my dispute much stronger having that detailed analysis.

Update us when you find out what happened! I'm curious if this was a name mix-up or something more serious. These UCC claim issues are becoming more common.

One more thing to check - make sure your business formation documents and any amendments are properly filed with the state. Sometimes UCC filings get attached to the wrong entity when there are name similarities and incomplete business records. I've also found that running documents through verification tools like Certana.ai before submitting disputes helps ensure you're not missing any details that could complicate the resolution.

This thread is making me paranoid about my own business credit report. Going to check it this weekend just to be safe.

This is a really concerning situation, especially since you've confirmed you're the sole owner with no authorized signers. I'd recommend taking a systematic approach: 1) Get the certified UCC-1 filing from your state's SOS office first to see all the details, 2) Cross-reference the secured party information with any business interactions you've had, 3) Check if there are other LLCs with similar names in your state that could have caused confusion, and 4) Document everything as you go. If the lender is uncooperative when you contact them, consider filing a complaint with your state's attorney general office - they often have departments that handle these types of commercial disputes. The fact that this is blocking your current financing makes it urgent, so don't hesitate to escalate if needed.