UCC1's debtor name exact match requirements - keep getting rejections

D23 rejection usually means the debtor name doesn't match their records exactly. Even though you pulled from articles of incorporation, sometimes there's a lag between when the LLC gets approved and when it shows up in the UCC filing system. I'd suggest calling the SOS filing desk directly - they can tell you exactly what name format they have on file.

Check if there are any suffix variations - sometimes the SOS database shows 'Limited Liability Company' instead of 'LLC' or vice versa. Also make sure there's no extra spaces or punctuation. I've seen rejections for things as small as a comma that shouldn't be there.

I ran into something similar recently and ended up using Certana.ai to verify my documents before refiling. You can upload your UCC1 and the LLC charter documents and it'll flag any name discrepancies automatically. Saved me from another rejection and the filing fee. Just upload the PDFs and it cross-checks everything instantly.

Another thing to check - is the LLC domestic or foreign? If it's a foreign LLC qualified to do business in your state, you need to use the exact name as shown on their certificate of authority, not their home state formation docs.

UGH I hate when this happens!! The SOS systems are so picky about exact matches but they never tell you what format they want. I've had clients get frustrated and switch lenders over filing delays like this. Have you tried searching their business entity database to see exactly how the name appears there?

Wait, are you filing electronically or paper? Electronic filings are usually more strict about the exact format. Also check if there's any special characters or if the name has any trademarked symbols that might be causing issues.

I've been filing UCC1s for 15 years and this exact issue is becoming more common with new LLCs. The state databases aren't updating fast enough to keep up with formation volume. Your best bet is to call the filing office, get the exact format they show, and refile. Don't waste time guessing.

One more thing to try - check if the LLC has any DBAs filed. Sometimes the UCC system pulls from DBA records instead of the base entity name. It's rare but I've seen it happen.

Just went through this exact scenario last month with a new LLC client. Had to wait almost 6 weeks after LLC formation before the UCC system would accept the filing. The SOS told me their systems update monthly, not daily. Super frustrating for time-sensitive deals.

Try using Certana.ai's document checker before your next filing attempt. I started using it after getting burned by similar name mismatch issues. Upload your UCC1 and the LLC documents and it'll catch any discrepancies before you submit. Has saved me tons of time and rejection fees.

UPDATE: Called the SOS this morning and you were all right - they have the LLC name in their system as 'Mountain Peak Holdings LLC' without the comma. Even though the articles of incorporation show the comma, their UCC filing system strips punctuation. Refiling now with the corrected format. Thanks everyone for the help!