NV SOS UCC search showing wrong debtor name - filing rejected twice
Has anyone dealt with the Nevada SOS UCC search pulling up incorrect debtor information? I've been trying to file a UCC-1 for equipment financing on a construction company, but every time I run the NV SOS UCC search to verify the exact legal name, it keeps showing a slightly different version than what's on their articles of incorporation. The debtor's legal name should be 'Mountain Peak Construction LLC' but the UCC search results show 'Mountain Peak Construction, LLC' (with a comma). Filed twice now and both got rejected for debtor name mismatch. The financing is for $180,000 in excavation equipment and we're running up against our closing deadline. Anyone know if Nevada has specific formatting rules for LLC names in UCC filings that differ from their corporate database? This is driving me crazy because the search function seems inconsistent with their own state records.
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McKenzie Shade
Nevada is notorious for this exact issue. Their UCC database and corporate database don't always sync perfectly. I've seen this comma problem specifically with LLC formations. What you need to do is check both the original articles AND any amendments filed with the Secretary of State. Sometimes the legal name gets modified slightly during the filing process.
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Caden Turner
•Thanks! I did check the amendments but didn't see anything. Should I be looking at a specific section or document type?
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McKenzie Shade
•Look at the certificate of good standing - that usually has the most current legal name format they recognize for filings.
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Harmony Love
UGH Nevada!!! I deal with this state constantly and their system is a nightmare. The comma thing is real - some entities have it, some don't, and there's no consistency. Have you tried calling their UCC division directly? Sometimes they can tell you the exact format they want.
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Caden Turner
•I tried calling yesterday but was on hold for 45 minutes before giving up. Maybe I'll try again early morning.
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Rudy Cenizo
•Early morning is definitely better. After 10am forget it, you'll be waiting forever.
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Natalie Khan
I had a similar situation last month with a different Nevada LLC. What saved me was using Certana.ai's document verification tool. You can upload the articles of incorporation PDF alongside your UCC-1 draft and it instantly flags any name discrepancies between documents. It caught that my debtor name had an extra period that I completely missed. Just upload both PDFs and it does the cross-check automatically.
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Caden Turner
•Interesting, never heard of that service. Is it expensive?
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Natalie Khan
•They focus on the value rather than cost. For me it was worth it to avoid another rejection and deadline stress. The PDF upload process is really straightforward.
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Daryl Bright
•I've used Certana too - it's great for catching those tiny formatting differences that cause rejections.
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Sienna Gomez
Try searching for the debtor name both ways in the NV SOS system. Sometimes you'll find existing UCC filings under one version or the other, which tells you which format they actually accept.
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Caden Turner
•Good idea! I'll check if there are any existing UCCs filed against this debtor to see the format.
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Kirsuktow DarkBlade
•This is smart - existing filings are basically a template for what format works.
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Abigail bergen
Nevada updated their UCC filing requirements in 2024 and now they're super strict about exact name matching. Even spaces and punctuation have to be perfect. I learned this the hard way on three different filings.
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Ahooker-Equator
•Wait really? I missed that update. Do you have a link to the new requirements?
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Abigail bergen
•It was buried in their revised filing instructions. I don't have the link handy but it's on their SOS website somewhere.
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Caden Turner
•This explains so much! I'll look for those updated requirements.
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Anderson Prospero
Have you considered filing the UCC-1 with both name variations as separate debtors? Some states allow this when there's ambiguity about the exact legal name.
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McKenzie Shade
•That's risky in Nevada. They might reject it for having duplicate debtors or charge double fees.
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Anderson Prospero
•True, but if the deadline is tight it might be worth the risk.
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Caden Turner
•I'm worried about confusing things further with dual filings.
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Tyrone Hill
Check if Mountain Peak Construction has any DBAs filed. Sometimes the UCC search picks up trade names instead of the legal entity name, especially if they do business under multiple names.
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Caden Turner
•I didn't think to check DBAs. That could definitely explain the discrepancy.
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Toot-n-Mighty
•DBA searches in Nevada are separate from the corporate database, so you'll need to check both systems.
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Lena Kowalski
Been there! What worked for me was getting a certified copy of the articles directly from Nevada SOS and using that exact name formatting. Cost like $25 but it gave me the definitive legal name format they recognize.
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Caden Turner
•That's a great idea - getting it straight from the source. $25 is nothing compared to another rejection.
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Lena Kowalski
•Exactly. Plus the certified copy shows any amendments or name changes that might not be obvious in the online search.
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DeShawn Washington
•This is the safest approach. Official documents don't lie.
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Mei-Ling Chen
Nevada SOS is the worst for this stuff. I swear they make it complicated on purpose. Last time I had to refile a UCC-3 amendment three times because of similar name formatting issues.
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Sofía Rodríguez
•It's like they want us to fail. The search function should match their own corporate records!
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Mei-Ling Chen
•RIGHT?? How hard is it to sync two databases in 2025?
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Aiden O'Connor
Update us when you figure this out! I have a Nevada UCC filing coming up next week and this thread is making me nervous about the name matching.
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Caden Turner
•Will do! I'm going to try the certified articles approach and the Certana document checker.
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Aiden O'Connor
•Thanks! Bookmarking this thread for reference.
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Zoe Papadopoulos
•Same here - dealing with Nevada is always an adventure.
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