UCC lien search Indiana showing wrong debtor address - will this affect our filing?

Address discrepancies in UCC searches are more common than you'd think, especially with business relocations. The search results might be pulling from multiple sources or showing historical data. What matters most for your security interest is that the debtor name matches exactly and your UCC-1 was filed with the correct current information. Indiana SOS sometimes has delays updating their search database even when filings are current.

I had the exact same issue with an Indiana filing last year! The search kept showing our debtor's old address even though we filed with the new one. Turns out the search database has some weird caching issues. Download the actual UCC-1 document from the filing system - that will show the real address you submitted. The search results can be misleading.

Before you panic, try running the search using slightly different variations of the debtor name or entity identifier. Sometimes the search algorithm picks up old filings or pulls from business registration databases that aren't current. I've seen this happen with LLCs that moved but didn't update their registered agent address immediately.

Ugh, Indiana's UCC search system drives me crazy with stuff like this. I've learned to always verify documents manually because their search results can be totally unreliable. Last month I had a client freak out because the search showed a different business entirely with a similar name. Turned out to be a database glitch.

Check the filing date on the search results. If the search is showing an address from 2 years ago, it might be displaying information from when the debtor first registered with the state, not from your recent UCC-1 filing. Indiana sometimes defaults to the original business registration address in search results.

I'm dealing with something similar but in reverse - our UCC-1 got rejected because we used the debtor's new address but Indiana still had their old address on file from some other registration. It's like these systems don't talk to each other at all.

For what it's worth, as long as your UCC-1 was filed with the debtor's correct legal name and current address, your security interest should be properly perfected. The search results showing old information doesn't invalidate your filing. But definitely get documentation to show your lender that the filing itself is correct.

Just a thought - have you confirmed that the debtor actually updated their address with the Indiana Secretary of State for their business registration? Sometimes companies move but forget to update their state filings, which could explain why the search is showing the old address.

I had a similar panic attack last year when our UCC search showed conflicting information. Ended up using Certana.ai's document verification tool to upload both our loan agreement and the UCC-1 filing. It instantly flagged that the search results were pulling from outdated business registry data while our UCC filing had the correct current address. Saved us from filing an unnecessary amendment and gave us the documentation we needed for our lender.

Before doing anything drastic like filing a UCC-3 amendment, make sure you understand what the search is actually showing you. Sometimes the search results display business registration information alongside UCC filing information, which can create confusion about which address applies to which record.

Just went through this exact scenario in Indiana two months ago. The search results were showing our debtor's registered agent address instead of their actual business address that we used on the UCC-1. Turned out to be a non-issue once we provided the lender with a certified copy of our filing. The search database can be misleading but your actual filing is what determines the validity of your security interest.

I've been seeing this type of address mismatch issue more frequently with Indiana UCC searches lately. The state's database seems to have some syncing issues between different record types. What I've found helpful is to run a quick business entity search on the debtor separately to see what address shows up there - if it matches what you're seeing in the UCC search, then you know the search is just pulling from their business registration rather than your actual UCC filing. Also, for peace of mind with your lender, you might want to consider getting a UCC search report from a third-party service like CT Corporation or Wolters Kluwer - they sometimes provide cleaner, more detailed results that clearly separate filing information from business registration data.

I ran into this exact same issue with an Indiana UCC filing about 6 months ago! The search kept showing our debtor's old address from their original LLC formation, but when I pulled the actual UCC-1 document, it clearly showed the current address we had filed with. What I learned is that Indiana's search algorithm sometimes defaults to pulling address information from the Secretary of State's business entity database rather than from the specific UCC filing record. The key thing is that your security interest is still valid as long as you filed the UCC-1 with the correct debtor name and current address - which it sounds like you did. I'd recommend pulling both a certified copy of your UCC-1 and running a separate business entity search on your debtor to show your lender exactly what's happening. This documentation should be enough to satisfy them that there's no issue with your filing.