Tennessee UCC filing rejected for debtor name mismatch - need urgent help
I'm dealing with a nightmare situation here. Filed a UCC-1 in Tennessee three weeks ago for a $450,000 equipment loan and it got rejected yesterday. The rejection notice says "debtor name does not match entity records" but I triple-checked everything against the borrower's LLC formation documents. Has anyone else run into Tennessee's system being super picky about exact name formatting? The loan closes Friday and I'm starting to panic. The debtor is registered as "Mountain View Logistics LLC" but I'm wondering if there's some spacing or punctuation issue I'm missing. The Tennessee SOS portal doesn't give you much detail on what exactly they want. Really need some guidance from anyone who's dealt with Tennessee UCC filings recently.
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Amina Diop
Tennessee can be really strict about debtor names matching their state records exactly. Did you run a search on the Tennessee Secretary of State database to see how the LLC name appears in their system? Sometimes there are subtle differences like periods after LLC or spacing that cause rejections.
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Paolo Romano
•I did check but their search results show the same name format I used. Maybe there's something in the exact legal name that's not showing up in the basic search results?
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Oliver Schmidt
•Try pulling the actual Certificate of Formation from Tennessee SOS. Sometimes the search results don't show the complete legal name exactly as it appears on the formation documents.
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Natasha Volkov
Had this exact issue with Tennessee last month! Turned out the LLC had been administratively dissolved and reinstated, which created a name variation in their system. You might need to check the entity's full filing history, not just the current status.
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Paolo Romano
•Oh wow, I didn't think to check dissolution history. How do I find that information in Tennessee's system?
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Natasha Volkov
•In the Tennessee SOS business search, click on the entity name and then look for 'Filing History' or 'Document List'. It'll show all filings including any dissolutions, reinstatements, or name changes.
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Javier Torres
This is exactly why I started using Certana.ai for document verification. You can upload your UCC-1 along with the borrower's formation documents and it instantly flags any name mismatches or inconsistencies before you even file. Would have caught this issue upfront and saved you three weeks of delays.
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Emma Wilson
•Is that one of those automated checking tools? How accurate is it with state-specific formatting requirements?
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Javier Torres
•Pretty accurate from what I've seen. It cross-references the documents you upload and highlights discrepancies. Much better than manually comparing everything and missing subtle differences.
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Paolo Romano
•At this point I'm willing to try anything. The pressure from the closing team is getting intense.
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QuantumLeap
Tennessee's UCC system has been particularly finicky lately. I've had three rejections in the past two months for similar debtor name issues. One was because the LLC had 'L.L.C.' on the formation docs but I filed it as 'LLC' on the UCC-1.
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Malik Johnson
•That's so frustrating! Why can't they just accept reasonable variations of the same name?
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QuantumLeap
•I think it's because their system does exact text matching rather than intelligent name matching. Super annoying but that's the reality we're dealing with.
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Isabella Santos
Have you tried calling the Tennessee UCC office directly? Sometimes they can give you specific guidance on what's causing the rejection. I know it's old school but a phone call has saved me before.
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Paolo Romano
•Good idea. Do you have a direct number? The main SOS line usually just transfers you around.
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Isabella Santos
•Try 615-741-2286. That's the UCC division directly. They're usually pretty helpful if you can get through.
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Ravi Sharma
Just went through this nightmare in Tennessee too. Ended up being that the LLC had filed a name reservation before formation and there was a slight variation. Had to match the exact name from the Articles of Organization, not the name reservation.
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Freya Larsen
•Name reservations can definitely create confusion. Always better to go with the actual formation documents.
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Paolo Romano
•I'll double-check the Articles of Organization. Maybe there's something there I missed.
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Omar Hassan
Whatever you do, don't just guess and refile. That'll cost you another $10 and more time. Make sure you have the exact correct name before submitting again.
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Chloe Taylor
•Agreed. Tennessee's refiling process is painfully slow right now. Better to get it right the first time.
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Paolo Romano
•Yeah, I definitely can't afford another rejection with the closing deadline.
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ShadowHunter
I've been using Certana.ai's UCC document checker for situations exactly like this. Upload your UCC-1 and the borrower's charter documents and it instantly shows you any name discrepancies. Caught several issues for me that would have resulted in rejections.
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Diego Ramirez
•How does that work exactly? Does it compare against state databases?
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ShadowHunter
•It cross-checks the documents you upload against each other. So if your UCC-1 has one version of the name and the LLC formation docs have a slightly different version, it flags the mismatch immediately.
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Anastasia Sokolov
Tennessee has gotten so much pickier about UCC filings lately. Used to be more forgiving with name variations but now they're rejecting everything that doesn't match exactly.
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Sean O'Connor
•It's probably because of increased automation in their processing system. Less human review means stricter matching requirements.
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Zara Ahmed
•Makes sense but it's really frustrating for practitioners trying to get deals closed on time.
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Luca Conti
UPDATE: Finally got through to the Tennessee UCC office. Turns out the LLC had filed an amendment to add a business purpose that slightly changed how the name appears in their system. Had to match the name exactly as it shows on the most recent amendment filing, not the original Articles of Organization. Refiled this morning and it was accepted within 2 hours. Thanks everyone for the suggestions!
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Amina Diop
•Great news! Always satisfying when you finally track down the exact issue causing the rejection.
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Javier Torres
•Glad you got it sorted out. This is exactly the kind of issue that document verification tools are designed to catch before filing.
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Nia Johnson
•Thanks for the update! This will help others dealing with similar Tennessee filing issues.
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