Memory Test Fail - Motherboard?

[frostfrank]

Half-life 2 Crashes Win 10 and damages boot files (other games too).
H2 freezes.
Win 10 freezes.
Win 10 will not reboot.
I have to run Macrium reflect ISO to repair boot records to boot.
It almost always happens in game save or load.
I have tried Win 7 Compatibility.
I have run SFC and dism.
Completely uninstalled H2 and Steam and reloaded.

Boot TuffTest-pro ISO :
Mother board OK. (See why I am posting in MOBO below)
Fails all zeros extended memory test:
Error code = TS1-BIT
Address = CFEE3E81
BUT When I take out one mem strip (2 X 4GB installed) - Same error
switch mem - same error
use different sockets - same error
any combination of strips and sockets - same error

Don't think it's win 10 because TuffTest is running ISO.
Don't think it's memory or sockets because of the way I switched mem and sockets and got the same error and address.
Some other Mother Board problem?
Any ideas?
Thanks,
Frank
Motherboard = GIGABYTE GA-970A-D3
CPU = FX-4100
OS = Windows 10 64 bit Home
(how can I post HWinFO64 summery if needed?)

[TimSmall]

You can sometimes see false memory errors when the BIOS is memory-mapping an I/O device, but it doesn't properly tell the operating system which part of RAM it shouldn't try to use as normal RAM.

Try different BIOS versions? Try memtest86+? Try clearing CMOS?