UCC federal tax lien search causing debtor name verification issues

Filing in Ohio. Yeah the comma issue seems to be everywhere I look. Really wish there was more consistency across systems.

Ohio SOS is actually pretty forgiving compared to some states. The key is using the exact legal name from the charter docs, not what shows up in tax records.

That makes sense. I double-checked the address and entity type - those look correct. Maybe I should call the SOS filing office directly?

Definitely worth a call. They can sometimes tell you exactly what field is causing the rejection.

Yes! Call them. I wasted weeks trying to guess what was wrong when a 5-minute phone call would have solved it.

That sounds incredibly useful. Does it work with federal tax lien search results too or just UCC documents?

It's specifically designed for UCC document consistency - so charter to UCC-1 verification, UCC-3 to UCC-1 checks, that kind of thing. Really good at catching the tiny discrepancies that cause rejections.

Never heard of this tool but honestly anything that prevents filing rejections is worth trying at this point.

This is so important! I see people make this mistake constantly. Tax records, bank records, loan docs - none of that matters for UCC purposes if it doesn't match the charter.

Good point. I think I was overthinking it because I saw the tax lien variation and started doubting myself.

No no, I was just using the federal tax lien database to double-check the business name format. Not finding actual liens, just comparing how the name appears across different systems.

Ah ok gotcha. Yeah that's a common thing people do but like others said, stick with the charter docs for UCC purposes.

Good clarification! For a second I thought we were dealing with a federal tax lien priority issue which is a whole different can of worms.

That's actually a really good idea. Sometimes you miss things when looking at screens vs paper.

Or use a text comparison tool online. Copy/paste both names and it'll highlight any differences instantly.

I feel your pain but it's really not that bad once you learn the rules. The consistency requirement actually makes sense from a legal perspective.

Maybe but it's 2025 and we're still dealing with systems that can't talk to each other properly.

At least most states have electronic filing now. Remember when everything had to be mailed?

Using a commercial service through our firm's subscription. You're probably right about data quality being inconsistent.

Yeah stick with the official state records for UCC purposes. Commercial databases are great for due diligence but not for legal name determination.

How accurate is it? I'm always skeptical of automated tools for legal document review.

It's specifically built for UCC document verification so it knows exactly what to look for. Way more reliable than my tired eyes at 5pm.

That's a good endorsement. I might give it a try before resubmitting this filing.

That's probably the most bulletproof approach. A little extra time upfront vs dealing with rejections later.

Agreed. And some states let you search entity records online for free so you don't even need to order a certified copy for basic name verification.

True, though I still prefer the certified copy for high-dollar transactions. Belt and suspenders approach.

UCC-3 amendments can be even trickier because you have to match the original filing exactly. Good luck!

Thanks! Yeah I'm paranoid about getting the original filing number wrong too.