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I'm dealing with something similar but mine is worse - the UCC 11 search shows a filing but when I try to get the actual document, the filing office says it doesn't exist. Their system is completely messed up.
Probably have to refile everything. Such a waste of time and money but what choice do I have?
Mila Walker
•Before you refile, try calling the filing office directly. Sometimes their online system glitches but the filing is actually there.
Natalie Wang
Just wanted to follow up on this thread because I had the exact same issue last month. Turned out the collateral description in the UCC-1 was actually fine - it was just that the UCC 11 search results display was showing a truncated version. When I got the certified copy of the actual financing statement, it had all the detail I needed. Might want to get the full document before you panic.
Jacob Lewis
•Thanks for the update! I'm definitely going to request the full financing statement. This thread has been really helpful.
Good reminder that UCC 11 searches are just the starting point, not the final answer.
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I've been dealing with UCC filings for 15 years and Michigan has always been slower than most states with search updates. The fact that you have acceptance confirmations means your terminations are legally effective regardless of what the search shows. Document everything and present it to your lender with confidence.
No, this is definitely a system issue not a filing issue. Your documentation should be more than sufficient for any reasonable lender.
Honorah King
•15 years of experience and Michigan still finds ways to be frustrating. Some things never change!
Oliver Brown
Try running the search again in a few days. Sometimes these things resolve themselves once the database catches up. In the meantime, make sure you have clean copies of all your termination documents ready for the lender.
Philip Cowan
•Will do. Hopefully this resolves itself soon but I'll definitely have all the documentation ready either way.
Oliver Brown
•That's the right approach. Being prepared with documentation is always better than hoping the search results are perfect.
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Pedro Sawyer
Also double-check that you're using the correct entity type designation. Virginia requires the exact designation from the Articles - so if it's 'Corporation' on the Articles but you're using 'Corp.' on the UCC-1, that'll get rejected.
Rita Jacobs
•We probably are abbreviating entity types without realizing it. Will need to go back and compare our UCC-1s character by character against the Articles.
Pedro Sawyer
•That's tedious but necessary. Or use one of those document comparison tools that does it automatically - saves a lot of manual checking time.
Mae Bennett
Been doing UCC filings in Virginia for 15 years and this has always been their biggest sticking point. The good news is once you figure out their exact naming requirements, your filings go through smoothly. Just takes some upfront effort to get the process right.
Any specific tips for making sure we get it right the first time? We're losing time and money on these rejections.
Mae Bennett
•Create a standardized process - always pull names from the same official source, use the same verification method, and consider automated checking if you do volume. Consistency is key with Virginia UCC Article 9 filings.
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Update us when you figure out what went wrong! I'm curious if it was a name issue or something else entirely. These kinds of problems are learning opportunities for all of us.
Will definitely post an update once we get this resolved. Hoping it's something simple we can fix with a corrected termination filing.
Yes please update! I'm dealing with a similar situation in California and wondering if it's the same type of issue.
Lily Young
Six months is way too long for this to be unresolved. The borrower's lender should be putting pressure on you to get this fixed ASAP. Have you considered hiring a UCC service company to handle the correction filing?
Lily Young
•Sometimes it's worth paying for professional help rather than letting a deal fall apart over a filing error.
Agreed. The cost of professional UCC services is nothing compared to losing a major refinancing deal.
Malia Ponder
I've seen this happen when the debtor name on the UCC-1 doesn't exactly match their registered business name format in the Illinois database. Even something as small as 'Inc.' vs 'Incorporated' can cause search indexing problems. Try searching for your debtor using their exact name as it appears on their Illinois business registration.
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Malia Ponder
•Also try searching without any punctuation or commas. The Illinois search algorithm is really picky about special characters and spacing.
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Kyle Wallace
•This is why debtor name accuracy is so critical in UCC filings. One small mismatch and your security interest could be at risk.
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Ryder Ross
Update on this situation: I ended up calling the Illinois SOS UCC division this morning and they confirmed my filing is on record and properly indexed. Turns out their public search portal has been having technical issues for the past month and many recent filings aren't showing up in results even though they're validly recorded. They're working on a fix but no ETA. At least I can tell my lender the filing is definitely on record.
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Hugo Kass
•Typical Illinois - break the system and then take months to fix it. Glad you got confirmation though.
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Khalil Urso
•This is exactly the kind of situation where having a backup verification method like Certana.ai really pays off. You would have known immediately that your filing was valid instead of worrying for weeks.
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