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  1. Hi guys, I hope someone can help me. Long story short: My husband and I are trying to buy a house and there is one final issue that needs resolving to get the loan. I had an old debt with US Bank that was charged off in 2011 and sold to a JDB in 2012. On Experian and Equifax it shows as charged off/sold with a $0 balance to US Bank. On TransUnion, it shows it was charged off and shows a balance of $5400. I called US Bank and they said they do in fact show a balance due, even though the account does not belong to them. The account was settled with the JDB earlier this year. (Something I wanted to avoid/go to court over but I decided it wasn't worth the stress so I just paid them off). My issue is TransUnion needs to show this account with US Bank as reporting $0. Is there a form letter I need to use? I have been googling and I haven't found anything to be very helpful. You would think they could just update it over the phone. I don't owe them (or anyone!) money. What should I say in my request and what should I include? Please help.