Consumer complaint received 2026-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: 2288984 Ontario Inc.
State: AK

Complaint narrative:
To Whom It May Concern, This correspondence serves as a formal and unequivocal directive to immediately discontinue all communication and collection efforts pertaining to any alleged debt associated with my name or accounts. This official notification is being issued in strict accordance with my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ). Please be advised that, pursuant to 15 U.S.C. 1692c ( c ), your organization is mandated to cease all further communication once you have been informed in writing that the consumer either refuses to pay the debt or requests an end to all contact. I am hereby instructing you to cease and desist from initiating any further contact with me, my family, or my place of employment, through any medium whatsoever. This includes, but is not limited to, telephone calls, voicemails, text messages, emails, and all forms of postal correspondence, at any and all addresses or contact numbers you may possess. Be advised that any subsequent attempts to contact me or to pursue collection on any alleged debt following your receipt of this written notice will be regarded as a direct violation of the FDCPA. I reserve the right to pursue all available legal remedies and will promptly report any such infractions to relevant regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General. I require a written acknowledgment of your receipt of this cease-and-desist request and an explicit confirmation of your compliance with its terms within XXXX ( XXXX ) business days from the date of this communication. 1. The complete name and mailing address of the * original creditor * to whom the debt was initially owed, along with any subsequent creditors in the complete chain of ownership up to your organization. 2. A copy of the original contract, agreement, or instrument bearing my * original signature *, or other undeniable proof of a legally binding contractual relationship between myself and the original creditor, establishing my obligation to pay this specific debt. 3. A comprehensive, itemized accounting of the alleged debt from its inception, detailing the principal amount, all interest charges, late fees, penalties, and any other charges that have contributed to the total amount you claim is due. This accounting should reflect all payments made, if any, and the dates of such payments. 4. Documentary proof, such as your state license number, verifying that your agency is legally licensed and authorized to conduct debt collection activities in the state where the debt originated and/or where I reside. 5. Evidence demonstrating that your organization possesses the legal authority and assignment to collect this specific debt from me. Failure to provide the requested comprehensive validation of this debt within the statutory thirty ( XXXX ) day period will be construed as an admission that your organization can not substantiate its claim. In such an event, you are legally obligated to cease all collection attempts immediately and permanently, and to instruct all credit reporting agencies to remove any and all references to this alleged debt from my credit file without delay. Please note that continued collection efforts or negative credit reporting without proper validation will be considered a violation of federal law, which I am prepared to address through all available legal avenues.

Company response to consumer: Closed with explanation