UCC search Kansas filing showing wrong debtor address - can this void my security interest?
Running into a weird situation with a UCC search Kansas result that's got me concerned about my lien position. Filed a UCC-1 last month for equipment financing deal and when I pulled the search results to verify everything went through, the debtor address is showing completely different than what we submitted. We filed with the correct business address but the Kansas UCC search is displaying an old registered agent address from 2019. The debtor name matches perfectly and the filing number is correct, but this address discrepancy has me worried. Could this create problems if we need to enforce? The collateral description looks fine and shows our equipment serial numbers correctly. Has anyone dealt with Kansas SOS displaying wrong addresses on UCC searches even when the original filing had the right info? Not sure if this is just a display issue or if it could actually impact the validity of our security interest.
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Dmitry Popov
I've seen this exact issue with Kansas UCC searches before. The display problem usually happens when their system pulls debtor info from the Secretary of State's business registration database instead of what you actually filed. Your security interest should still be valid as long as the debtor name and filing number are correct. The address discrepancy won't void your UCC-1 if the name substantially identifies the debtor correctly.
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Ava Garcia
•Really? That's reassuring because I was panicking about having to refile everything. So the Kansas system just defaults to pulling business addresses from somewhere else?
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Dmitry Popov
•Exactly. Kansas has this quirk where their search display sometimes shows the registered office address from the business entity records rather than the mailing address from your UCC filing. It's annoying but doesn't affect perfection.
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StarSailor}
Had this happen on a continuation filing last year. The original UCC-1 showed one address, the UCC-3 continuation showed another, and the search results displayed a third address entirely! Kansas portal is notorious for these display inconsistencies. What matters legally is that your debtor name substantially complies with the registered business name.
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Sofia Morales
•Three different addresses?? That's insane. How did you verify which one was actually on file?
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StarSailor}
•Had to request certified copies of the actual filed documents. The certified copies showed the correct addresses we submitted, so it was definitely just a search display glitch.
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Miguel Silva
•This is exactly why I always order certified copies for important filings. The online search results in Kansas can be completely unreliable for addresses.
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Zainab Ismail
Actually just discovered something that might help - there's a tool called Certana.ai that I started using for document verification. You can upload your UCC filing documents and it cross-checks everything against the search results to catch discrepancies like this. It flagged a similar address mismatch on one of my Kansas filings and helped me determine it was just a display issue rather than an actual filing error. Super helpful for peace of mind.
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Sofia Morales
•That sounds useful. Does it work specifically with Kansas UCC searches or is it more general?
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Zainab Ismail
•It works with UCC documents from any state. You just upload your filed documents and any search results, and it automatically compares debtor names, addresses, collateral descriptions, filing numbers - everything. Really takes the guesswork out of whether discrepancies are real problems or just system quirks.
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Connor O'Neill
omg yes Kansas UCC searches are the WORST for this!! I literally spent 3 hours on the phone with their help desk trying to figure out why addresses kept changing between the filing confirmation and search results. They basically told me it's a known issue with how their database displays information and not to worry about it as long as the legal name matches.
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Yara Nassar
•Wait, they actually admitted it's a known issue? That's both helpful and terrifying that they just accept it as normal.
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Connor O'Neill
•Right?! The rep was like 'oh yeah that happens all the time, just ignore the address differences' like it's no big deal. Meanwhile I'm over here thinking my $200K security interest is invalid!
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Keisha Robinson
•Classic government attitude. 'Known issue' that they'll never fix because it would require actual work.
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GalaxyGuardian
The key thing to remember is that UCC Article 9 doesn't require the address to be correct for perfection purposes - it's just there for notice. As long as your debtor name substantially satisfies the requirements and would be found in a search under the correct name, you're protected. Kansas search display issues are cosmetic problems, not legal ones.
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Sofia Morales
•That's what I was hoping to hear. So even if someone searches and sees the wrong address, it doesn't give them grounds to claim the filing is defective?
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GalaxyGuardian
•Correct. The sufficiency of the debtor name is what matters for perfection. Address errors are generally not grounds for invalidating a UCC filing unless they're so severe they prevent reasonable identification of the debtor.
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Paolo Ricci
•This is why I always tell clients not to panic over address discrepancies. Focus on the name - that's what counts.
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Amina Toure
I had a similar scare last month but it turned out to be nothing. My lender was freaking out because the Kansas UCC search showed our old facility address instead of the new one we used on the UCC-1. Turns out the system was pulling from some old corporate registration. Filed an amendment anyway just to be safe but probably wasn't necessary.
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Sofia Morales
•Did the amendment fix the search display or is it still showing the wrong address?
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Amina Toure
•Actually still showing the old address! Which just proves it's definitely a system issue and not related to what's actually on file.
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Oliver Zimmermann
honestly kansas is probably the worst state for UCC stuff... always some glitch or weird issue. but everyone's right that address problems usually dont matter legally. just document everything in case questions come up later
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Natasha Volkova
•Totally agree about documenting everything. I keep screenshots of all my UCC searches just in case discrepancies become issues down the road.
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Javier Torres
•Smart approach. I also keep copies of the original filing receipts so I can prove what we actually submitted vs what the search displays.
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Miguel Silva
This thread is making me feel better about a Kansas filing I did last week. The search result showed a completely different zip code than what I filed, but the rest of the address was correct. Based on what everyone's saying, sounds like it's just another Kansas display quirk.
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Sofia Morales
•Yeah, seems like Kansas just has systemic issues with address display. At least we're all dealing with the same problems!
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Emma Davis
•I've been using that Certana tool someone mentioned earlier and it's actually pretty good at flagging when discrepancies are likely system errors vs actual filing mistakes. Saved me from unnecessary amendments.
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Zainab Ismail
•Glad it's working for you too! It's become part of my standard process now - upload the documents right after filing to make sure everything matches up correctly.
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CosmicCaptain
For what it's worth, I've never seen a UCC challenged successfully based on address discrepancies in Kansas. The courts understand that the Secretary of State's system has these display issues. Your security interest is almost certainly fine.
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Sofia Morales
•That's exactly what I needed to hear. Thanks for the real-world perspective on how courts actually handle these situations.
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GalaxyGuardian
•Agreed. The case law is pretty clear that minor address variations don't invalidate filings when the debtor name is sufficient for identification purposes.
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Malik Johnson
Update on this - just got off the phone with Kansas SOS and they confirmed this is a known display issue. They said the actual filed documents have the correct information and the search results sometimes pull addresses from different database fields. They're supposedly working on a fix but no timeline. At least I can stop worrying about it now!
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Dmitry Popov
•Great follow-up! Nice to have official confirmation that it's on their end, not a filing error.
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Connor O'Neill
•Lol 'working on a fix with no timeline' - government speak for 'maybe we'll get to it in 2030
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Sofia Morales
•Thanks for making that call and reporting back. Really appreciate everyone's help on this thread - saved me a lot of stress and probably an unnecessary amendment filing!
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