a consumer reporting agency shall remove any adverse information relating to any private education loan with respect to which a consumer is a qualifying private education loan borrower from any consumer report within 45 calendar days of receipt of such notification. (c) Disclosure The Bureau shall disclose the results of a certification determination in writing to the consumer that provides a clear and concise explanation of the basis for the determination of whether such consumer or class of consumers is a qualifying private education loan borrower with respect to a private education loan and, as applicable, an explanation of the consumer’s right to have adverse information relating to such loan removed from their consumer report by a consumer reporting agency. (d) Procedures The Bureau shall— (1) establish procedures for a consumer or an individual acting on behalf of or as a personal representative of the consumer or a class of consumers to submit a request described in subsection (a)