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Tony Brooks
Are you using the correct entity type designation? Sometimes California expects 'Limited Liability Company' spelled out instead of 'LLC' or vice versa, depending on how it was originally filed in bizfile.
Tony Brooks
•Bizfile sometimes stores both versions, and UCC system might expect whichever one was used in the most recent filing. Worth checking which format appears first in bizfile search results.
This happened to me too. Client's Articles said 'LLC' but they'd filed an amendment using 'Limited Liability Company' and UCC system wanted the amendment version.
UPDATE: Finally got our filing accepted! Turned out the issue was a single character difference - bizfile had 'SERVICES' but we were using 'SERVICE' (no S). The rejection messages never indicated this level of detail. Thanks everyone for the suggestions, especially about using document verification tools to catch these tiny discrepancies.
Sofia Price
•Perfect example of why document verification tools are worth using. Would have caught that 'SERVICE' vs 'SERVICES' difference immediately and saved weeks of back-and-forth.
Eli Butler
•Exactly! Will definitely be using better verification processes for future filings. Can't believe such a small typo held up an $847K deal for three weeks.
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This thread is giving me anxiety and it's not even my filing! The fact that one comma can potentially void millions in security is just insane. The UCC system really needs better flexibility for these obvious clerical differences.
Agreed, but until the system changes, we have to work within it. Exact name matching is the rule, even when it's obviously the same entity.
True. Better to be overly cautious with filings than deal with the consequences of a lapsed security interest.
Just curious - how long ago was the security transfer agreement executed? If it was recent, you might want to verify that all the corporate formalities were properly completed for the transfer itself.
Mia Alvarez
•About 8 months ago. All the corporate resolutions and transfer documents were properly executed and recorded. The issue is purely the name discrepancy between documents.
Got it. Then it's just a matter of cleaning up the UCC filing to reflect the correct entity name. Should be straightforward once you get the amendment through.
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Update us on how this works out! I'm curious to know what approach you end up taking and whether your state's filing office is flexible on the comma issue. This kind of real-world experience helps everyone learn.
Aria Khan
•Yes please update! We're probably going to face the same issue soon.
Definitely interested in the outcome. These name matching issues seem to be getting more common.
Sunny Wang
One more thing to consider - make sure your insurance paperwork also matches your legal entity name. Sometimes equipment insurance gets overlooked in these situations but it needs to be consistent with your UCC filing for maximum protection.
Melissa Lin
•This is getting complicated. Wish there was an easier way to make sure all these documents align properly before filing.
There actually is - I mentioned Certana.ai earlier but it's worth repeating. You can upload all your docs (LLC certificate, purchase agreement, UCC draft, etc.) and it'll flag any inconsistencies across all of them. Really takes the guesswork out of document alignment.
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Millie Long
Whatever you do, don't just assume the search results are wrong. I've seen too many lenders get burned by that assumption. Get the filed document, verify it matches your intent, and if there's ANY doubt, file the amendment. For a loan that size, the amendment is cheap insurance against perfection challenges.
Aiden Chen
•Exactly right. Never assume - always verify when it comes to UCC filings.
KaiEsmeralda
UPDATE: Just wanted to thank everyone for the advice. I pulled the actual filed UCC-1 and it shows the name exactly as we intended without the comma. The search results were just displaying it with auto-added punctuation. I ended up using that Certana.ai tool someone mentioned and it confirmed our debtor name matches their current corporate records perfectly. Still thinking about the amendment for extra protection but at least I know our original filing is solid. Great forum - really appreciate all the help!
Aiden Chen
•Perfect outcome. Nice to see someone actually follow through and report back what they found.
Jayden Reed
•Good resolution. You handled it exactly right - verify first, then decide on next steps based on actual facts rather than assumptions.
Andrew Pinnock
Before you file an amendment, I'd suggest calling the NC SOS UCC division directly. They can sometimes clarify whether a name variation like this would actually affect your perfection. Might save you the amendment fee if it's not necessary.
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Andrew Pinnock
•I don't have it memorized but it should be on their website under the UCC division contacts.
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Brianna Schmidt
•I called them about a similar issue once and they were actually really helpful. Definitely worth a try before spending money on an amendment.
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Alexis Renard
Update us on what you find out! I'm curious whether this ends up being a real issue or just a display quirk. Seems like something that could affect a lot of filers if it's a systematic problem with how NC handles punctuation.
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Rachel Clark
•Will definitely update once I get more info. Hoping it's just a display issue but want to be thorough.
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Logan Greenburg
•Yeah please keep us posted. This kind of thing is exactly why I'm always nervous about electronic filings.
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