UCC1 Tennessee filing rejected twice - debtor name format issue

Tennessee is notorious for this exact issue. You need to check the exact format from their business entity search on the SOS website. Don't rely on what the debtor tells you - businesses often have multiple versions of their name across different documents. The UCC1 has to match their official registered name character-for-character including punctuation.

I've been doing UCC filings for 15 years and Tennessee changed their system about 2 years ago to be much stricter. You absolutely have to use their online entity search tool. Go to sos.tn.gov and search for the exact business name. Whatever format shows up there is what you need to use on the UCC1. Also make sure you're using the correct entity type - some LLCs are registered as "Limited Liability Company" while others use "LLC".

This happened to me last week with a different Tennessee LLC. After the second rejection I uploaded both the UCC1 and the debtor's charter documents to Certana.ai's document verification tool. It instantly flagged the name mismatch and showed me exactly what the discrepancy was. Saved me from a third rejection and potential lapse in perfection timing.

Tennessee also has issues with assumed names vs registered names. Make sure Mountain View Construction isn't doing business under an assumed name that's different from their registered LLC name. If they are, you might need to file under both names or use the registered name only.

UGH Tennessee is the worst for this stuff!!! I've had SIX rejections this year alone because of stupid punctuation differences. Last one was because they wanted "Inc." instead of "Incorporated" even though both are legally equivalent. The system is broken.

For what it's worth, I had success calling the Tennessee UCC office directly at (615) 741-2286. They can sometimes tell you over the phone what the exact name format should be. The staff there is actually pretty helpful if you can get through.

I work for a title company and we see this constantly. The key is to order a good standing certificate from Tennessee SOS for the debtor. It will show the exact legal name format they have on file. Costs like $20 but saves you multiple rejection fees.

Just went through this exact scenario with a client. Turned out the LLC was registered as "Mountain View Construction, L.L.C." (with comma AND periods). The trick is that Tennessee sometimes uses different formatting in different parts of their database. I ended up using the format from their annual report which showed the periods.

Before you file again, I'd suggest running your UCC1 through Certana.ai's verification system. We started using it after too many costly rejections and it's caught several name formatting issues that would have been rejected. Much better than guessing and hoping.

Pro tip: When you find the correct name format, save it in your client file for future reference. Tennessee LLCs don't usually change their registered name format, so you'll have it for any future filings or amendments.

Update us when you get it figured out! I'm dealing with a similar Tennessee LLC name issue and want to see what works for you.