An UCC-1 Form is for secured loan. That is you had a collateral sold to him/her. In the case of a loan secured by personal property collateral, the filing of a financing statement gives notice of a lien against the property so that other lenders or buyers of the personal property will know of the security interest. It is most commonly used for person properties such as equipment. So, new buyers of the equipment will check and make sure that there is no lien against that particular equipment.
In the situation you describes, you possibly paid him for 5,500 for him to provide a credit profile number services for you and he did not.
You need to go to court to get a court order judgment against him in order to proceed with collection activity.
Also, if you suspect that he is committing fraud because he stopped answering his phone after he received your money, you probably need to go to police department to report the situation. They may advice you the next step to go. If the person has a pattern, now your realized, to cheat client, you may walk in the local FBI office to report. FBI may accept your case to investigate. One small string may pull out of a lot of fraudulent activities and sometimes network.
However, to collect and recovery monetarily, you need to start with the court and not the UCC report. You may want to consider to retain an attorney, legal consultation and help. At this point, this is a dispute on invoice, billing, customer complaint. You need to get a court order to make it a debt owed by him to you and for you to have legal authority and procedure to recover from him.
Please feel free to follow up.
Fiona Chen, MPA, Ph.D., CPA, ABV, CFF, CITP