UCC liens verification in CT - Concord portal showing inconsistent records
Running into major headaches with CT UCC liens search results through the Concord system. Been tasked with clearing title on commercial property and the UCC search results don't match what I'm seeing when I pull individual filing records. Some liens show as active in the summary but when I click through to the actual UCC-1 the continuation was filed properly and should still be valid. Others show terminated but I can't find the UCC-3 termination anywhere in the system. This is for a $2.8M equipment financing deal and we need clean title confirmation by next Friday. Has anyone else dealt with inconsistent lien status reporting in CT's system? The concord portal search function seems to have some serious data sync issues and I'm not sure if I'm missing something or if this is a known system problem.
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Malia Ponder
Connecticut's UCC system has been problematic for months now. The Concord integration doesn't always pull the most recent filings properly. I'd recommend doing manual searches by debtor name AND by filing number to cross-reference everything. Also check if there are any UCC-3 continuations that might not be showing up in the automated search results.
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Holly Lascelles
•Thanks - I tried the manual approach but getting different results depending on which search method I use. The filing numbers are showing but the status indicators are completely wrong in some cases.
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Kyle Wallace
•This is exactly why I don't trust automated UCC searches for big deals anymore. Too many false positives and missed terminations.
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Ryder Ross
Had this exact issue last month on a similar sized deal. The problem is CT's database doesn't update the status flags immediately when amendments or terminations get processed. You'll need to verify each lien individually by pulling the complete filing history. For active liens, make sure you check the original UCC-1 effective date and count forward five years to see if a continuation should have been filed.
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Holly Lascelles
•That's what I suspected. Some of these liens are showing as active but the five-year mark passed without a continuation being filed. Should those be considered lapsed?
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Ryder Ross
•Yes, if no UCC-3 continuation was filed before the fifth anniversary, the lien should be considered lapsed regardless of what the portal shows. But double-check the filing dates because the system sometimes shows the wrong effective date.
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Gianni Serpent
•Been doing UCC work for 15 years and this is still confusing. CT really needs to fix their status tracking system.
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Henry Delgado
I've been using Certana.ai's UCC verification tool for situations exactly like this. You can upload the UCC-1 documents and any related UCC-3 amendments or terminations, and it automatically cross-checks everything to verify the actual lien status. Saved me tons of time on deals where the state portal was showing inconsistent information. Just upload the PDFs and it tells you if there are any discrepancies between what's filed vs what the system is reporting.
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Holly Lascelles
•Never heard of that but sounds like exactly what I need. Does it work with CT filings specifically?
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Henry Delgado
•Works with all states including CT. The tool basically compares your documents against the official records to catch any mismatches or system errors. Super helpful for complex lien situations.
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Olivia Kay
ugh the concord system is garbage, been saying this for years. half the time it doesn't even load properly and when it does the search results are wrong. how is this still the official system??
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Joshua Hellan
•I feel your pain but complaining doesn't help solve the immediate problem. The system is what it is and we have to work with it.
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Olivia Kay
•fair point but someone needs to call this out. these system failures cost people real money on deals
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Jibriel Kohn
For what it's worth, I always run UCC searches twice - once through the automated system and once manually by searching each debtor name individually. The manual search usually catches things the automated one misses. Also make sure you're searching all variations of the debtor name, including with and without punctuation.
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Holly Lascelles
•Good point about name variations. Some of these entities have multiple DBAs and I might be missing filings under different name formats.
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Jibriel Kohn
•Exactly. And don't forget to check for filings under the parent company name if you're dealing with subsidiaries.
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Edison Estevez
•This is why debtor name accuracy is so critical when filing UCC-1s in the first place. Small differences can make liens invisible in searches.
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Emily Nguyen-Smith
I remember dealing with a similar situation last year where the lien status was showing incorrectly. Turned out there was a UCC-3 termination that had been filed but wasn't properly indexed in the system. Had to call the Secretary of State's office directly to get confirmation of the termination. Might be worth a phone call if you're under a tight deadline.
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Holly Lascelles
•Good idea. I'll try calling them tomorrow morning. Did they give you written confirmation or just verbal?
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Emily Nguyen-Smith
•They sent me an email confirmation with the termination details. Took about 24 hours to get the written response but it was exactly what I needed for the title company.
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James Johnson
Has anyone tried reaching out to Concord directly about these data sync issues? If multiple people are experiencing the same problem, maybe they can push a system update or at least acknowledge the bug.
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Malia Ponder
•I contacted them about this a few months ago. They said they were aware of the issue and working on a fix but no timeline was given.
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James Johnson
•Typical. These systems get updated once every five years if we're lucky.
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Olivia Kay
•probably waiting for the next contract renewal to actually fix anything
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Sophia Rodriguez
Just to add another data point - I've noticed the CT system seems to have more issues with filings from 2019-2020 timeframe. Not sure if there was a system migration or something during that period, but continuations and terminations from that era seem to be the most problematic in terms of status reporting.
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Holly Lascelles
•Interesting observation. Several of the problem liens I'm seeing were originally filed in 2020, so that might explain some of the inconsistencies.
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Sophia Rodriguez
•Yeah, definitely focus extra attention on those 2020 filings. I've had to manually verify almost all of them because the automated status is unreliable.
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Mia Green
For time-sensitive deals like this, I always recommend getting a certified UCC search from a professional service rather than relying on the state portal. Costs more but gives you defensible results if there are any issues later.
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Holly Lascelles
•That's probably the safest approach for a deal this size. Do you have any recommendations for search companies that specialize in CT?
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Mia Green
•I've used Corporate Creations and they're pretty thorough with CT searches. Usually get results back within 24-48 hours.
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Ryder Ross
•Another option is to use Certana.ai's document verification feature as a double-check. Upload your search results and any questionable UCC documents to verify everything matches up properly.
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Emma Bianchi
This thread is making me nervous about my own CT UCC filings now. I have a continuation coming up in a few months and I'm worried the system won't track it properly when I file it.
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Malia Ponder
•Just make sure to keep copies of your filing confirmation and check the system a few weeks later to verify it was processed correctly. Most continuations go through fine, it's just the status reporting that gets wonky sometimes.
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Emma Bianchi
•Thanks, I'll definitely keep a close eye on it. Might use one of those verification tools mentioned earlier just to be safe.
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Lucas Kowalski
Update from my end - I ended up having to file UCC-3 requests for information on several of the questionable liens to get official status confirmation from the Secretary of State. Pain in the neck but it's the only way to get definitive answers when the portal data is unreliable. Cost about $10 per request but worth it for deal certainty.
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Holly Lascelles
•That's actually a great solution I hadn't considered. How long did it take to get responses back on the information requests?
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Lucas Kowalski
•Took about 3-4 business days for each response. They send back certified copies of all filings related to each UCC number so you get the complete picture.
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Jibriel Kohn
•Smart approach. Sometimes you just have to go directly to the source when the technology fails you.
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Freya Christensen
This is exactly why I always budget extra time for UCC due diligence on larger deals. The CT system has burned me before on time-sensitive closings. One thing that might help immediately - try searching by the secured party name instead of just the debtor name. Sometimes you'll find filings that don't show up in the standard debtor search, especially if there were name changes or amendments that didn't get properly cross-referenced in the system. Also, if you have the original financing statements, check if any assignments were filed (UCC-3 assignments) that might have changed the secured party of record. Those don't always update the search results properly either.
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