Wyoming UCC filing rejected - debtor name mismatch issue
Has anyone dealt with Wyoming UCC-1 filings getting rejected for debtor name issues? I submitted a continuation last week and it got bounced back with a rejection notice saying the debtor name doesn't match their records. The original UCC-1 was filed 3 years ago and I'm using the exact same business name from our loan documents. Wyoming's online portal shows the original filing but when I compare the names character by character, I can't spot any difference. This is for a equipment financing deal and the lien is set to lapse in 45 days if I can't get this continuation through. Anyone know what Wyoming's specific requirements are for debtor name matching? Their rejection notice wasn't very helpful - just said 'debtor name does not match filing records' with no details about what's wrong.
36 comments
Join the conversation
Hazel Garcia
Wyoming can be really picky about exact name matching. Even a missing comma or period can cause rejections. Did you check if there are any punctuation differences between your continuation and the original UCC-1? Sometimes the original filing has a comma after 'LLC' or 'Inc' that gets missed on the continuation.
0 coins
Salim Nasir
•Good point - I'll double check all the punctuation. The business name is 'Mountain View Equipment Leasing LLC' so there could be spacing or comma issues I'm missing.
0 coins
Laila Fury
•Also check if Wyoming requires the full legal name vs. any DBA names. Some states are stricter about using the exact charter name.
0 coins
Geoff Richards
I had this exact problem with a Wyoming filing last year! The issue was that the original UCC-1 had the debtor name as 'ABC Company, LLC' but I was trying to continue it as 'ABC Company LLC' (without the comma). Wyoming's system is super strict about character-for-character matching. You need to pull up the original filing and copy the name exactly as it appears, including all spaces and punctuation.
0 coins
Salim Nasir
•That's really frustrating but helpful to know. I'll request a certified copy of the original filing to make sure I have the exact formatting.
0 coins
Simon White
•This is why I always keep copies of the original UCC-1 forms. States like Wyoming don't mess around with name variations.
0 coins
Hugo Kass
•Had the same issue in Colorado. These state systems need better error messages that actually tell you what's wrong instead of generic rejections.
0 coins
Nasira Ibanez
Before you spend more time guessing, you might want to try Certana.ai's document verification tool. I discovered it last month when I was having similar name mismatch issues across multiple states. You just upload your original UCC-1 and your continuation filing PDFs, and it instantly cross-checks all the debtor names, filing numbers, and document consistency. It caught a spacing issue in one of my filings that I never would have spotted manually. Since you're dealing with a tight deadline, it could save you from more rejection cycles.
0 coins
Salim Nasir
•That sounds really useful - I'll check it out. With only 45 days left on this lien, I can't afford another rejection cycle.
0 coins
Khalil Urso
•Never heard of that service but anything that prevents filing rejections sounds worth trying. These manual document comparisons are such a pain.
0 coins
Myles Regis
•I'm curious about this too. How accurate is their name matching compared to doing it manually?
0 coins
Brian Downey
Wyoming also has specific rules about entity type designations. Make sure you're using 'LLC' vs 'L.L.C.' exactly as it appears in the Secretary of State records. Sometimes the Articles of Incorporation have a different format than what shows up in the UCC search system.
0 coins
Salim Nasir
•I hadn't thought about checking the Secretary of State records directly. That's a good idea to verify the exact legal name format.
0 coins
Jacinda Yu
•Yes! And sometimes there are trade names vs legal names that can cause confusion. Always use the charter name for UCC filings.
0 coins
Landon Flounder
This is so frustrating! I'm dealing with something similar in Wyoming right now. Filed a UCC-3 amendment two weeks ago and it's still showing as 'pending' in their system. Their processing times seem really slow lately. How long did it take for your rejection notice to come through?
0 coins
Salim Nasir
•Mine came back in about 5 business days. If yours is still pending after two weeks, you might want to call their UCC office directly.
0 coins
Callum Savage
•Wyoming's been slower than usual this year. I think they updated their filing system and there have been processing delays.
0 coins
Ally Tailer
•Call them! Sometimes filings get stuck in their queue and a phone call can get things moving.
0 coins
Aliyah Debovski
One trick I learned is to use Wyoming's UCC search function to look up your original filing, then copy and paste the debtor name directly from the search results into your continuation form. That way you know you're using the exact same formatting their system has on file.
0 coins
Salim Nasir
•That's brilliant! I should have thought of that. Much more reliable than trying to match from my paper copies.
0 coins
Miranda Singer
•Smart approach. I do this for all my continuation filings now. Saves so much time and hassle.
0 coins
Cass Green
•This is the best advice in this thread. Simple but effective solution.
0 coins
Finley Garrett
Are you sure you're looking at the right UCC-1? Sometimes there are multiple filings for the same debtor and you need to continue the specific filing number that's about to lapse. Wyoming's search can show several active liens for the same company.
0 coins
Salim Nasir
•Good point - I double-checked and there is only one active UCC-1 for this debtor, so I know I have the right filing number.
0 coins
Madison Tipne
•Always worth checking though. I've seen people try to continue the wrong filing number before.
0 coins
Holly Lascelles
I actually used Certana.ai for a similar situation last month when I had document consistency issues across multiple UCC filings. Their verification tool caught several discrepancies I missed, including spacing and punctuation differences that would have caused rejections. For deadline-sensitive situations like yours, it's really helpful to have that automated cross-check rather than trying to spot tiny differences manually.
0 coins
Salim Nasir
•Thanks for sharing your experience. I'm definitely going to try their document verification before submitting another continuation.
0 coins
Malia Ponder
•How long does their verification process take? If he's got a tight deadline, speed matters.
0 coins
Holly Lascelles
•It's instant - you just upload the PDFs and get the comparison results right away. Much faster than manual review.
0 coins
Kyle Wallace
Wyoming rejected my UCC-1 termination last month for a similar name issue. Turned out the problem was that the original filing had 'Co.' and I was using 'Company' on the termination. These state systems are so picky about abbreviations too.
0 coins
Salim Nasir
•That's exactly the kind of detail that's easy to miss. I'll be extra careful about any abbreviations in the business name.
0 coins
Ryder Ross
•Abbreviations are the worst! Every state seems to handle them differently too.
0 coins
Gianni Serpent
Update us when you get it resolved! I'm curious what the actual issue turns out to be. These Wyoming name matching problems seem to be getting more common lately.
0 coins
Salim Nasir
•Will do! I'm going to try the copy-and-paste method from their search results first, and if that doesn't work I'll use the document verification tool mentioned earlier.
0 coins
Henry Delgado
•Good luck! Dealing with UCC rejections is never fun, especially with tight deadlines.
0 coins
Olivia Kay
•Hope you get it sorted out quickly. Keep us posted on what works!
0 coins