Concerning the problems that Two-Dimensional Multiple-Input Multiple-Output (2D MIMO) systems only consider the effects of horizontal radiation pattern, ignoring the effects of vertical radiation pattern, and the closed-form on the sum rate of 2D MIMO system over K (Rayleigh/Gamma) fading channels involves special functions, two closed-form upper bounds on achievable sum rate of Three Dimensional Distributed Multiple-Input Multiple-Output (3D D-MIMO) systems with Zero-Forcing (ZF) receivers over K composite fading channels were proposed. The upper bounds considered Rayleigh multipath fading, Gamma shadow fading, geometric path-loss, 3D antenna radiation loss, and user distribution. The experimental results show that the obtained expressions accurately match with the Monte Carlo simulation conclusions.