; or (VI) commercially reasonable maintenance of, or repair to, the systems of the consumer reporting agency that is unexpected or unscheduled; or (C) if the consumer provides a correct personal identification number or password, fully remove an existing credit freeze from the file of the consumer not later than 21 business days after receiving the request by postal mail, toll-free telephone, or secure electronic means established by the consumer reporting agency. (2) No fee A consumer reporting agency may not charge a consumer a fee to place, temporarily lift, or fully remove a credit freeze. (3) Exclusion from third-party lists During the period beginning on the date on which a consumer or a representative of the consumer requests to place a credit freeze and ending the date on which the consumer or representative requests to fully remove a credit freeze, a consumer reporting agency shall exclude the consumer from any list of consumers prepared by the consumer reporting agency and provided to any third party to offer credit or insurance to the consumer as part of a transaction that was not initiated by the consumer, unless the consumer or that representative requests that the exclusion be rescinded before end of the period. . 5. Additional free consumer report Section 612 of the Fair Credit Reporting Act ( 15 U.S.C. 1681j ) is amended— (1) in subsection (f)(1), in the matter preceding subparagraph (A), by inserting or subsection (h) after through (d)