Apache and Filenames That Have Ampersands In Them

We ported a site from IIS to Apache. The site allows user to upload files. I discovered that a file name that has an ampersand can be uploaded with no problems. But when you click on a hyperlink to the file, the request will result in a 404 error.

It seems that the answer is to replace the ampersand in the file name with %2526. I believe that this is in affect uri encoding the ampersand twice.