WDFI UCC search showing wrong debtor name - filing rejected twice
Our lender is requiring a clean UCC search before closing but the WDFI UCC search results keep showing a debtor name that doesn't match our borrower's legal entity name exactly. We filed the UCC-1 three months ago using the exact name from the Articles of Incorporation but now the search shows 'ABC Manufacturing LLC' instead of 'ABC Manufacturing, LLC' (notice the comma). The filing got rejected twice because of this mismatch and our closing is next week. Has anyone dealt with WDFI search discrepancies like this? The borrower swears they haven't changed their legal name and our attorney is stumped. We're stuck in this loop where the search doesn't match what we think we filed originally.
44 comments


Sofia Peña
I've seen this exact issue with Wisconsin filings. The WDFI system is super picky about punctuation in debtor names. Did you double-check the original UCC-1 to see exactly how the name was entered? Sometimes what we think we filed isn't what actually went through their system.
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Hunter Hampton
•That's what's driving me crazy - I don't have a clean copy of what actually got filed. Just our draft that shows the comma version.
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Aaron Boston
•You can pull the filed UCC-1 from WDFI for like $15. That'll show you exactly what name is on record.
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Sophia Carter
Wisconsin is notorious for this stuff. I had a client where 'Smith & Associates Inc' became 'Smith and Associates Inc' somehow in their system. The search function is literal - no fuzzy matching at all. You need to search using the exact name as filed, not as intended.
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Chloe Zhang
•This is why I always do a test search immediately after filing. Catches these issues early.
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Hunter Hampton
•Wish I'd known that three months ago. Now we're scrambling with a closing deadline.
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Brandon Parker
•Been there. It's stressful but fixable with the right approach.
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Adriana Cohn
Had a similar nightmare last year with a different state system. Spent hours trying to figure out why our UCC search wasn't pulling up a filing we knew existed. Turned out there was a single character difference that we couldn't catch manually. Started using Certana.ai's document verification tool after that - you just upload your Articles of Incorporation and your UCC-1 PDFs and it instantly flags any name mismatches between documents. Would've saved me days of headaches.
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Hunter Hampton
•Never heard of that tool. Does it work with Wisconsin filings specifically?
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Adriana Cohn
•It works with any UCC documents - just compares the debtor names across whatever PDFs you upload. Really straightforward to use.
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Jace Caspullo
WDFI's search is case sensitive too, not just punctuation. I learned this the hard way when 'LLC' vs 'Llc' caused issues. Also their system doesn't handle certain special characters well - sometimes strips them during filing but not during search.
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Melody Miles
•Oh man, the special character thing bit me once with an ampersand. Filed with '&' but search required 'and'.
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Hunter Hampton
•This is exactly what I'm worried about. How do I know what got stripped or changed?
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Jace Caspullo
•Only way to know for sure is to pull the filed document. Then you can search using exactly what's on file.
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Nathaniel Mikhaylov
Wisconsin filer here - been dealing with WDFI for 10 years. Their system quirks are well-documented if you know where to look. The comma issue you mentioned is super common. When in doubt, try searching both ways: with and without the comma. Sometimes the search will find it under the alternate format.
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Hunter Hampton
•I tried that already. No luck with either version. That's what's so frustrating.
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Nathaniel Mikhaylov
•Then something else is off. Could be spacing, could be an abbreviation issue. Really need to see the actual filed document.
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Eva St. Cyr
•Sometimes WDFI auto-corrects things during filing that you don't expect. Like 'Company' to 'Co.' or vice versa.
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Kristian Bishop
This is why I hate electronic filing systems. Give me paper forms any day. At least then what you write is what gets filed, typos and all.
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Kaitlyn Otto
•Paper filing has its own issues though. Illegible handwriting, lost documents...
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Kristian Bishop
•Fair enough but at least you know what you submitted!
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Axel Far
Had a client with a similar Wisconsin issue last month. Turned out the problem wasn't the comma but an extra space that got inserted somehow. WDFI search treats 'ABC Manufacturing' (two spaces) differently from 'ABC Manufacturing' (one space). Super annoying to troubleshoot.
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Hunter Hampton
•How did you figure that out? The spaces aren't visible when you're looking at search results.
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Axel Far
•Copy and paste the name from the search results into a word processor that shows formatting marks. That'll reveal extra spaces.
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Jasmine Hernandez
•Smart trick. Never thought of that approach.
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Luis Johnson
Quick question - are you searching by debtor name or by filing number? Sometimes the filing number search works when name search fails due to these formatting issues.
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Hunter Hampton
•I've been doing name searches. Should I have the filing number from when we originally filed?
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Luis Johnson
•Yes, you should have gotten a filing number confirmation when the UCC-1 was accepted. Check your email or filing receipts.
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Ellie Kim
•Filing number search is way more reliable. Names are messy, numbers don't lie.
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Fiona Sand
I ran into something similar but with a different twist. Used one of those document checking tools - think it was Certana.ai - and found out our corporate records had the wrong entity name compared to what was actually on file with the state. The UCC was filed correctly, but we were searching with the wrong name from our internal records. Tool caught the discrepancy immediately when I uploaded both documents.
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Hunter Hampton
•That's exactly what I'm worried about. How do I verify what name is actually registered vs what we think it is?
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Fiona Sand
•Pull a current Certificate of Good Standing from Wisconsin. That'll show the exact legal name on file with the state.
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Mohammad Khaled
Wisconsin's system updated their search interface about 6 months ago and it's been glitchy ever since. Sometimes legitimate filings don't show up in searches even when they exist. I'd recommend calling WDFI directly - they can do a manual search for you.
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Hunter Hampton
•Good idea. Do you have a direct number? Their main line just goes to a phone tree.
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Mohammad Khaled
•Try 608-261-7577. That usually gets you to someone who can help with UCC searches.
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Alina Rosenthal
•Seconding the phone call approach. WDFI staff are actually pretty helpful when you can reach them.
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Finnegan Gunn
Just a thought - have you confirmed the UCC-1 was actually accepted and filed? Sometimes we assume a filing went through when it was actually rejected for other reasons. The rejection notices can be easy to miss in email.
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Hunter Hampton
•I'm pretty sure it was accepted because we got charged the filing fee. But now you've got me second-guessing everything.
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Finnegan Gunn
•Getting charged doesn't always mean it was processed successfully. Wisconsin sometimes charges first, then rejects later if there are issues.
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Miguel Harvey
•This happened to me once. Got charged, assumed it was filed, then found out weeks later it was rejected for a technical error.
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Ashley Simian
One more thing to check - Wisconsin requires exact matches for entity type too. So 'LLC' vs 'L.L.C.' vs 'Limited Liability Company' are all treated as different entities. If your Articles show one format but you filed the UCC with another, that could explain the search issues.
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Hunter Hampton
•This is getting overwhelming. So many variables that could be wrong.
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Oliver Cheng
•It is overwhelming but systematic checking will find the issue. Start with pulling the actual filed UCC-1 document.
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Ashley Simian
•Exactly. Get the source documents first, then compare everything character by character.
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