; or (ii) not later than 15 minutes after receiving the request by toll-free telephone number or secure electronic means established by the agency, if the request is received during regular business hours, except if the ability of the consumer reporting agency to temporarily lift the credit freeze is prevented by— (I) an act of God, including earthquakes, hurricanes, storms, or similar natural disaster or phenomenon, or fire; (II) unauthorized or illegal acts by a third party including terrorism, sabotage, riot, vandalism, labor strikes or disputes disrupting operations, or a similar occurrence; (III) an operational interruption, including electrical failure, unanticipated delay in equipment or replacement part delivery, computer hardware or software failures inhibiting response time, or a similar disruption; (IV) governmental action, including emergency orders or regulations, judicial or law enforcement action, or a similar directive; (V) regularly scheduled maintenance or updates to the systems of the consumer reporting agency occurring outside of normal business hours; or (VI) commercially reasonable maintenance of, or repair to, the systems of the consumer reporting agency that is unexpected or unscheduled