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Liam Fitzgerald

UCC financing statement DC filing rejected - debtor name issue?

Just had my UCC financing statement rejected by DC's filing office and I'm completely lost. The rejection notice mentions something about the debtor name not matching their records but I copied it exactly from the business registration. This is for a $180k equipment loan and my client is getting nervous about the delay. Has anyone dealt with DC's specific requirements for debtor names on UCC-1 forms? The collateral description was pretty standard (manufacturing equipment, serial numbers included) so I don't think that's the issue. Really need to get this refiled correctly ASAP.

GalacticGuru

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DC can be really picky about exact name matches. Did you check if the business has any DBA names or if there's punctuation differences? Sometimes they want the exact legal name as it appears on the Articles of Incorporation, not just the registration.

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I thought I used the legal name but now I'm second-guessing myself. The rejection was pretty vague about what exactly was wrong.

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Amara Nnamani

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This happened to me last month. Turned out the comma placement was different between what I had and what DC had on file. Super frustrating for such a small detail.

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UGH the DC filing system is the WORST. I've had THREE rejections this year for the most ridiculous reasons. One time they rejected because I had 'Inc.' instead of 'Incorporated' even though both should be acceptable. Their online portal gives you zero helpful feedback too.

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I feel your pain! The lack of clear guidance is so frustrating when you're trying to meet deadlines.

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Dylan Cooper

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Have you tried calling their office directly? Sometimes they can tell you the exact format they're expecting.

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Sofia Morales

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I actually found a solution for this exact problem recently. I was having similar issues with name mismatches between our loan docs and UCC filings. Started using Certana.ai's document verification tool - you just upload your Charter docs and UCC-1 as PDFs and it instantly flags any inconsistencies in debtor names, filing numbers, all that stuff. Caught two mistakes I would have missed that would've caused rejections.

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That sounds really helpful. Is it easy to use? I'm worried about making more mistakes at this point.

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Sofia Morales

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Super easy - literally just drag and drop your PDFs and it does the cross-checking automatically. Would have saved me hours of manual comparison.

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StarSailor

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Never heard of Certana but anything that prevents these filing headaches sounds worth trying.

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Dmitry Ivanov

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For DC specifically, you want to check the DCRA business search database to see exactly how they have the entity name listed. Sometimes there are subtle differences in spacing or abbreviations that cause rejections. Also make sure you're using the entity ID number correctly - DC is strict about that too.

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Good point about the entity ID. I should double-check that against what I filed.

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Ava Garcia

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This is solid advice. I always do a fresh business search right before filing to make sure nothing has changed.

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Miguel Silva

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Quick question - are you filing this as a new UCC-1 or is this an amendment? Just want to make sure you're using the right form type because DC has been rejecting mixed-up form types lately.

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It's a new UCC-1 financing statement. First filing for this particular loan.

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Zainab Ismail

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Okay good, just checking. I've seen people accidentally use UCC-3 amendment forms when they meant to file initial statements.

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I work with DC filings regularly and they've gotten much stricter about debtor name accuracy in the past year. The key is matching their business entity database EXACTLY - no variations, no assuming abbreviations are okay. Sometimes what looks identical to us has invisible characters or different spacing that causes computer rejections.

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That's really helpful context. Sounds like manual verification isn't enough anymore.

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Yara Nassar

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Exactly why I started using automated checking tools. Too easy to miss tiny differences when you're comparing documents manually.

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This makes sense. I probably need a more systematic approach to document verification.

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Just went through this same nightmare last week! Turns out the business had amended their Articles of Incorporation two months ago and I was using the old name format. Had to get updated documentation from the client before refiling. Check if there have been any recent corporate changes.

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Oh wow, I didn't even think to check for recent amendments. That could definitely be it.

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Paolo Ricci

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Good catch! Corporate changes can really mess up UCC filings if you're not staying current.

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Amina Toure

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Another thing to watch out for in DC - they sometimes have issues with special characters or accented letters in business names. If the debtor name has any non-standard characters, try using standard ASCII equivalents.

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That's a great point about special characters. Never would have thought of that.

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Yes! I had a rejection because of an accented 'e' in a company name. Had to resubmit with regular 'e'.

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Been doing UCC filings for 15 years and DC has always been one of the more difficult jurisdictions. My advice: when in doubt, call their UCC office directly. The staff there can often tell you exactly what format they need for the debtor name. Much faster than multiple rejection cycles.

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I should probably just call them tomorrow morning. Thanks for the suggestion.

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Javier Torres

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Definitely call. Sometimes they can even tell you what specific field caused the rejection.

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Emma Davis

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Update us when you figure out what the issue was! Always helpful to know what DC is rejecting for so the rest of us can avoid the same problems.

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Will definitely post an update once I get this resolved. Hopefully it's something simple.

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Malik Johnson

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Looking forward to hearing what the solution was. DC rejections are so mysterious sometimes.

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Same here - these threads always help me avoid similar issues in my own filings.

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