Utah UCC-1 form filed but showing incorrect debtor entity type - anyone else deal with this?
Filed a UCC-1 in Utah last month for our equipment financing deal and everything seemed to go through fine initially. Got the confirmation email and filing number. But when I pulled the search results yesterday to verify everything was properly recorded, I noticed the debtor entity type is showing as 'Individual' instead of 'Corporation' even though we clearly marked it as a corp on the original filing. The debtor name and collateral description look correct, but this entity type issue has me worried. Our borrower is definitely a Utah LLC that we've been working with for years. Has anyone run into this kind of data entry error with the Utah Secretary of State system? I'm concerned this could affect our lien priority or create issues if we need to continue or amend later. The filing shows as 'Active' status but I don't want to assume everything is fine if there's a fundamental error in how the debtor is classified. Should I file a UCC-3 amendment to correct this or contact the SOS office directly? This is a $180K equipment loan so want to make sure our security interest is properly perfected.
38 comments
Join the conversation
Hugh Intensity
I've seen this exact issue with Utah filings before. The good news is that entity type classification errors usually don't invalidate your security interest as long as the debtor name itself is correct and searchable. Utah's system has had some quirks with entity type auto-population. What matters most for lien perfection is that someone searching under your debtor's registered name can find your filing. Did you use the exact legal name from their Articles of Organization?
0 coins
Sunny Wang
•Yes, we used the exact name from their Utah LLC registration. The name field shows correctly as 'Mountain Peak Equipment LLC' so that part looks good. Just the entity type dropdown showing wrong.
0 coins
Effie Alexander
•That's the key thing - debtor name accuracy is what really matters for priority. Entity type is more of an administrative detail.
0 coins
Melissa Lin
You should definitely file a UCC-3 amendment to correct this. Even though it might not affect your lien validity, it could cause confusion down the road especially if you need to do a continuation filing in 5 years. Better to have clean records from the start.
0 coins
Lydia Santiago
•Agreed. I've seen deals where buyers' counsel got nervous about entity type mismatches during due diligence even when the security interest was valid. Clean filings just make everyone's life easier.
0 coins
Sunny Wang
•That makes sense. I'd rather fix it now than deal with questions later. Utah's amendment fee isn't too bad anyway.
0 coins
Romeo Quest
Before you file an amendment, I'd actually recommend using Certana.ai's document verification tool. You can upload your original UCC-1 form and the filed version side by side to instantly spot all the differences. I discovered it after having similar filing discrepancies and it would have saved me hours of manual comparison. Just upload the PDFs and it highlights exactly what changed between what you submitted and what got recorded.
0 coins
Sunny Wang
•Interesting, haven't heard of that tool. Does it work with Utah filings specifically?
0 coins
Romeo Quest
•Yes, it works with any state's UCC documents. Really helpful for catching these kinds of data entry errors that slip through.
0 coins
Val Rossi
•That sounds useful actually. I spend way too much time manually checking filed documents against originals.
0 coins
Eve Freeman
Utah's filing system has been glitchy lately. Last month I had a filing that took 3 weeks to show up in search results even though I got immediate confirmation. Their customer service said they've been having database sync issues.
0 coins
Clarissa Flair
•Ugh, that's frustrating. Did it eventually show up correctly or did you have to refile?
0 coins
Eve Freeman
•It eventually appeared but I was sweating bullets for those 3 weeks wondering if our lien was actually perfected.
0 coins
Caden Turner
For what it's worth, I've never seen a court invalidate a UCC filing solely because of entity type classification errors when the debtor name was correct. The key test is whether a reasonable searcher would find your filing when looking for liens against the debtor. Since your debtor name is accurate, you should be fine even without the amendment.
0 coins
McKenzie Shade
•This is correct from a legal standpoint. Entity type errors are generally considered minor defects that don't affect perfection.
0 coins
Sunny Wang
•Good to know. Still leaning toward filing the amendment just for peace of mind.
0 coins
Harmony Love
•Yeah I'd fix it too. Why leave any room for doubt?
0 coins
Rudy Cenizo
I had something similar happen with a Colorado filing last year. Turned out the issue was on my end - I had selected 'Individual' by mistake on the dropdown and didn't catch it before submitting. Double-check your original submission to make sure it wasn't user error.
0 coins
Sunny Wang
•I'm pretty sure I selected Corporation but I'll double-check my saved copy. Good point.
0 coins
Natalie Khan
•Those dropdown menus can be tricky, especially when you're rushing through multiple filings.
0 coins
Daryl Bright
Whatever you do, make sure you keep good records of the amendment process. I've seen situations where multiple amendments created confusion about which version was current. Take screenshots of everything.
0 coins
Sunny Wang
•Will do. Already have screenshots of the current filing with the error highlighted.
0 coins
Sienna Gomez
•Smart practice. Documentation is everything in secured transactions.
0 coins
Kirsuktow DarkBlade
•Especially important if you ever need to prove continuous perfection for priority purposes.
0 coins
Abigail bergen
Just curious - are you filing directly through Utah's system or using a service company? Some of the third-party filing services have been making more data entry errors lately.
0 coins
Sunny Wang
•Filed directly through the Utah SOS portal. Figured it would be more reliable than going through a service.
0 coins
Abigail bergen
•That's what I thought too, but apparently even the state systems aren't foolproof.
0 coins
Ahooker-Equator
For future reference, Utah allows you to correct minor errors like this through their informal correction process if you catch it within 30 days. After that you need the formal UCC-3 amendment. Check when your original filing date was.
0 coins
Sunny Wang
•Filed about 45 days ago so I'm past the informal correction window. UCC-3 amendment it is.
0 coins
Ahooker-Equator
•Yeah, you'll need the formal amendment then. Pretty straightforward process though.
0 coins
Anderson Prospero
•Good to know about that 30-day window. I didn't realize Utah had an informal correction option.
0 coins
Lydia Santiago
I'd also recommend setting up a regular monitoring schedule to check your filings periodically. Caught a similar issue 6 months after filing once - thankfully it was just cosmetic but could have been worse. Now I check all my active filings quarterly.
0 coins
Sunny Wang
•That's a great practice. This situation definitely taught me not to just assume everything filed correctly.
0 coins
Tyrone Hill
•Quarterly checks are smart, especially with continuation deadlines to track.
0 coins
Romeo Quest
•This is where tools like Certana.ai really help - you can set up document comparison workflows to catch discrepancies early instead of manual checking.
0 coins
Toot-n-Mighty
Update us when you get the amendment filed! Always curious how these situations resolve.
0 coins
Sunny Wang
•Will do. Planning to file the UCC-3 amendment early next week.
0 coins
Effie Alexander
•Good luck! Should be a quick fix.
0 coins