Teacher Ninfa Graciela González, originally from Carayaó in the Caaguazú department, is unable to access any credit or carry out financial transactions because she remains listed as a delinquent at Informconf, despite having paid nearly 150 times the original amount of a debt taken out in 2007. The case has dragged on for over a year with no response from the judiciary.
On May 9, 2025, the Public Defender's Office filed an official request with the La Encarnación court for the reconstruction of three case files that vanished from the records of then-judge Carmen Analía Cibils. Since then, successive urgent motions have been filed, but so far the court has issued no ruling on the matter.
The original debt was 1 million guaranis, offered to Ninfa by an employee of Miguel Ángel Gómez Ibarra inside the Instituto del Cáncer de Areguá, where she was accompanying her child for treatment of a breast tumor. The credit, pitched as "special for patients," was supposed to be repaid in 12 monthly installments of 160,000 guaranis. At the time, she signed 36 carbon-paper discount authorizations, and the Ministry of Education and Sciences (MEC) began deducting the amounts directly from her salary.
The retail outlet responsible for the deductions was Mima Novedades, owned by Gómez Ibarra, which later changed its name several times. By 2017, when Ninfa requested an end to the deductions, 148,180,000 guaranis had already been taken from her pay. Even so, both Gómez Ibarra and his daughter, Elisa Gómez González, filed enforcement lawsuits against the teacher for 8,100,000 guaranis.
Although the two cases did not result in any financial freezes, the files disappeared while in the custody of Judge Analía Cibils, who has since left her post. To date, the case records have not been reconstituted, but Gómez Ibarra managed to have Ninfa listed on the delinquent registry. Informconf refuses to remove the teacher's name from its records without a final judicial dismissal of the cases.
The Special Senate Commission investigating the so-called promissory note mafia had already warned about the role of credit bureaus in this type of scheme. According to the commission's director, Diana Vargas, entities such as Informconf (Equifax) and Criterión SA allow individuals to register alleged debts as defaulted operations without notifying the affected party and fail to verify the authenticity of the documents presented. "They use these entities as a kind of extortion mechanism," she stated.