Utah UCC lien search showing weird results - debtor name variations causing issues?
Been doing some cleanup on our loan portfolio and running into strange issues with Utah UCC lien search results. We have several borrowers where the search is pulling up filings under slightly different name variations - like 'ABC Manufacturing LLC' vs 'ABC Manufacturing, LLC' (notice the comma). Some of our UCC-1s from 2019-2020 aren't showing up in basic searches but appear when I search the exact filing number. Is this a known issue with the Utah SOS database? We're trying to verify our lien positions before a major refinancing and these inconsistencies are making me nervous. Anyone else dealing with name-matching problems in Utah UCC searches?
32 comments


Sofia Morales
Utah's search function can be finicky with punctuation and entity designations. The system doesn't always recognize 'LLC' and ', LLC' as the same entity. I always run multiple searches - with and without commas, periods, and different spacing. Also check if you're searching 'starts with' vs 'exact match' - that makes a huge difference in results.
0 coins
Dmitry Popov
•This is so frustrating! I spent two hours last week trying to find a filing that I KNEW existed. Turns out the debtor name had an extra space that wasn't visible in our loan docs.
0 coins
Ava Garcia
•The 'starts with' search is your friend in Utah. I never use exact match anymore because of these inconsistencies.
0 coins
StarSailor}
Are you checking both the standard UCC search and the fixture filing search? Utah separates these and sometimes filings end up in unexpected places. Also, if your 2019-2020 filings are close to their 5-year mark, double-check that continuations were filed properly.
0 coins
Miguel Silva
•Good point about continuations. We had one lapse last year because the continuation got filed under a slightly different debtor name and didn't connect to the original UCC-1.
0 coins
Zainab Ismail
•Wait, can a continuation filing actually get disconnected from the original if the name doesn't match exactly? That's terrifying.
0 coins
StarSailor}
•Yes, it happens more often than you'd think. The system tries to match but if there are significant differences, it treats them as separate filings.
0 coins
Connor O'Neill
I had a similar nightmare scenario last month. Was doing due diligence on an acquisition and found multiple UCC filings that seemed to reference the same collateral but under different debtor name variations. Ended up using Certana.ai's document verification tool - you just upload the UCC PDFs and it instantly cross-checks all the debtor names, filing numbers, and document consistency. Saved me from a major headache because it caught three name mismatches that would have caused problems at closing.
0 coins
Yara Nassar
•How does that work exactly? Do you upload the original UCC-1 and then the search results?
0 coins
Connor O'Neill
•Yeah, you can upload any combination - like your loan agreement, UCC-1, continuation filings, amendments. It creates a workflow that shows you exactly where names don't match up between documents.
0 coins
Keisha Robinson
•That sounds incredibly useful for portfolio reviews. How accurate is it with catching subtle differences?
0 coins
GalaxyGuardian
Utah's system has definitely gotten better over the years but still has quirks. One thing I've noticed is that if the original filing had any typos or formatting issues, those get perpetuated in the database. Sometimes you need to think like the person who originally entered the data - did they abbreviate 'Street' as 'St'? Did they add extra spaces?
0 coins
Paolo Ricci
•This is why I always keep copies of the original filing receipts. The confirmation email usually shows exactly how the system processed the debtor name.
0 coins
Amina Toure
•Smart. I learned that lesson the hard way when a termination couldn't find the original filing because of a single character difference.
0 coins
Oliver Zimmermann
Are you searching by debtor name or by secured party? Sometimes I have better luck searching by our company name as the secured party and then filtering through the results. Also, the Utah system lets you download search results to Excel which makes it easier to spot patterns in name variations.
0 coins
Natasha Volkova
•I didn't know about the Excel download feature! That would make portfolio audits so much easier.
0 coins
Javier Torres
•The Excel export is under 'Advanced Search Options' - not intuitive but super helpful for bulk reviews.
0 coins
Emma Davis
This is exactly why I don't trust automated searches for anything important. You really need to manually verify each filing and keep detailed records. I've seen too many situations where someone assumed a clean search meant no liens, only to find out later there were filings under slight name variations.
0 coins
CosmicCaptain
•Manual verification is crucial but so time-consuming. For large portfolios, some kind of automated cross-checking tool becomes necessary.
0 coins
Malik Johnson
•True, but the stakes are too high to rely completely on automation. These searches affect loan agreements worth millions.
0 coins
Isabella Ferreira
Have you tried searching with just the first few characters of the debtor name? Sometimes I find filings that way that don't show up in full name searches. Utah's partial matching isn't perfect but it's another angle to try.
0 coins
Ravi Sharma
•That's a good strategy. I also search for common abbreviations - 'Corp' vs 'Corporation', 'Inc' vs 'Incorporated', etc.
0 coins
Freya Thomsen
•Don't forget about DBA names too. Sometimes the UCC gets filed under the trade name instead of the legal entity name.
0 coins
Omar Zaki
Just went through this exact situation with a client's loan portfolio. The key is being systematic about it - create a checklist of all possible name variations and search each one. Also, if you're doing this for due diligence purposes, document your search methodology so you can demonstrate reasonable effort.
0 coins
AstroAce
•Documentation is so important. I always screenshot my search results and save them with timestamps.
0 coins
Chloe Martin
•Good practice. Auditors and attorneys always want to see the search methodology when reviewing lien positions.
0 coins
Diego Rojas
We started using a third-party service for UCC searches specifically because of these inconsistencies. They run multiple search variations automatically and provide a comprehensive report. Worth the cost for large portfolios.
0 coins
Anastasia Sokolov
•Which service do you use? We're looking at outsourcing our UCC search process.
0 coins
Sean O'Donnell
•There are several good options. Some integrate directly with the state databases and can catch variations that manual searches miss.
0 coins
Zara Ahmed
One more tip - if you're seeing inconsistent results, try clearing your browser cache and searching again. The Utah system sometimes caches results in weird ways that can affect subsequent searches.
0 coins
StarStrider
•I've noticed this too! Sometimes logging out and back in helps reset the search parameters.
0 coins
Luca Esposito
•Technology solutions for legal processes can be so unpredictable. Always good to have multiple approaches.
0 coins