Figured out what the problems with my memories. I tired 3 different brands of memories, PDP, Cosair and Kingston. All failed OCCT memory test within 5 seconds.
So It wasnt' the memory module issue. When MF or RF bios' were installed they were reporting OPT_TEMP1 and TEMP3 overheat. Somehow, RF bios damaged NB's memory controller.
Now I need a new mobo.