UCC fixture lien terminated but equipment still shows active - what happened?

This sounds like you might have overlapping liens from different time periods. Did you check if the 'new' lien actually predates your terminated one? Sometimes fixture filings get recorded in both the real estate records AND the UCC database, which can create confusion during searches.

Had something similar happen with our packaging equipment. Turned out the previous owner of our building had equipment financing that never got properly terminated when they moved out. Even though we bought the equipment separately, their old fixture filing was still showing up because the legal description overlapped with our space.

Before you panic, try uploading your termination statement and this mystery UCC-1 to Certana.ai's document checker. It'll cross-reference the debtor names, collateral descriptions, and filing numbers to see if there are any inconsistencies that might explain what's happening. I caught a similar issue last month where what looked like a separate lien was actually an amendment that got misfiled.

ugh this kind of stuff drives me CRAZY. The UCC system is supposed to be straightforward but between fixture vs personal property classifications and all the different ways creditors can screw up their filings, it's a nightmare. Hope you get it sorted out quickly.

Update us when you find out what happened - I'm curious if this turns out to be a previous owner issue or something else entirely. These fixture filing mysteries always have interesting explanations.

Check if Industrial Equipment Finance LLC might be a factor or servicing company. Sometimes when loans get sold or transferred, the new servicer files their own UCC without properly coordinating with existing terminations. The timing would make sense if your payoff happened around the same time as a loan transfer.

might be worth checking the real estate records too, not just the UCC database. fixture liens sometimes get recorded in both places and if there's a discrepancy between them it can cause exactly this kind of confusion

I've seen this exact scenario three times in the past year. What usually happens is Equipment Finance companies file very broad fixture liens that cover 'all equipment located at [address]' without specifying individual pieces. When you bought equipment from the previous tenant, you may have inadvertently acquired equipment that was still subject to their financing. The key is to compare the collateral descriptions very carefully. If the mystery lien describes equipment by location rather than serial numbers, and if it predates your ownership, you'll need to prove that your equipment purchase was separate from their original collateral.

Just went through something similar with HVAC equipment. Turned out the 'mystery' lien was actually legitimate - the previous tenant had leased some equipment that we assumed was included in our purchase but was actually still under a separate financing agreement. Had to work out a assumption agreement with the leasing company.

Quick question - when you say the equipment is 'bolted to the concrete floor,' are we talking about permanent installation or just secured for safety? The distinction matters a lot for fixture classification and could explain why you're seeing different results in real estate versus personal property searches.

Whatever you do, don't let your refinancing get held up by this. Even if there is a legitimate issue with the equipment financing, most title companies will accept an indemnity agreement from the seller while you sort out the details.

I'd strongly recommend getting a copy of the original UCC-1 filing from Industrial Equipment Finance LLC and comparing it line-by-line with your equipment purchase documentation. Pay special attention to the filing date, debtor information, and collateral description. If this lien predates your equipment purchase and describes equipment by location rather than specific serial numbers, you might be dealing with a blanket lien that covered the previous tenant's equipment. Also check if Industrial Equipment Finance has any corporate relationships with your original lender - sometimes parent companies or affiliates file duplicate liens during transitions. Document everything carefully because if this turns out to be an error, you'll want a clear paper trail for the title company.