diff --git a/hbase-server/src/main/java/org/apache/hadoop/hbase/regionserver/HRegion.java b/hbase-server/src/main/java/org/apache/hadoop/hbase/regionserver/HRegion.java
index aabda40a8f9..90f54d14dd1 100644
--- a/hbase-server/src/main/java/org/apache/hadoop/hbase/regionserver/HRegion.java
+++ b/hbase-server/src/main/java/org/apache/hadoop/hbase/regionserver/HRegion.java
@@ -179,7 +179,6 @@ import org.apache.hadoop.hbase.wal.WALKey;
 import org.apache.hadoop.hbase.wal.WALKeyImpl;
 import org.apache.hadoop.hbase.wal.WALSplitUtil;
 import org.apache.hadoop.hbase.wal.WALSplitUtil.MutationReplay;
-import org.apache.hadoop.io.MultipleIOException;
 import org.apache.hadoop.util.StringUtils;
 import org.apache.htrace.core.TraceScope;
 import org.apache.yetus.audience.InterfaceAudience;
@@ -6269,8 +6268,8 @@ public class HRegion implements HeapSize, PropagatingConfigurationObserver, Regi
    * @throws IOException if failed unrecoverably.
    */
   public Map<byte[], List<Path>> bulkLoadHFiles(Collection<Pair<byte[], String>> familyPaths,
-      boolean assignSeqId, BulkLoadListener bulkLoadListener,
-        boolean copyFile, List<String> clusterIds, boolean replicate) throws IOException {
+      boolean assignSeqId, BulkLoadListener bulkLoadListener, boolean copyFile,
+      List<String> clusterIds, boolean replicate) throws IOException {
     long seqId = -1;
     Map<byte[], List<Path>> storeFiles = new TreeMap<>(Bytes.BYTES_COMPARATOR);
     Map<String, Long> storeFilesSizes = new HashMap<>();
@@ -6282,9 +6281,9 @@ public class HRegion implements HeapSize, PropagatingConfigurationObserver, Regi
       this.writeRequestsCount.increment();
 
       // There possibly was a split that happened between when the split keys
-      // were gathered and before the HRegion's write lock was taken.  We need
+      // were gathered and before the HRegion's write lock was taken. We need
       // to validate the HFile region before attempting to bulk load all of them
-      List<IOException> ioes = new ArrayList<>();
+      IOException ioException = null;
       List<Pair<byte[], String>> failures = new ArrayList<>();
       for (Pair<byte[], String> p : familyPaths) {
         byte[] familyName = p.getFirst();
@@ -6292,9 +6291,8 @@ public class HRegion implements HeapSize, PropagatingConfigurationObserver, Regi
 
         HStore store = getStore(familyName);
         if (store == null) {
-          IOException ioe = new org.apache.hadoop.hbase.DoNotRetryIOException(
+          ioException = new org.apache.hadoop.hbase.DoNotRetryIOException(
               "No such column family " + Bytes.toStringBinary(familyName));
-          ioes.add(ioe);
         } else {
           try {
             store.assertBulkLoadHFileOk(new Path(path));
@@ -6303,18 +6301,16 @@ public class HRegion implements HeapSize, PropagatingConfigurationObserver, Regi
             failures.add(p);
           } catch (IOException ioe) {
             // unrecoverable (hdfs problem)
-            ioes.add(ioe);
+            ioException = ioe;
           }
         }
-      }
 
-      // validation failed because of some sort of IO problem.
-      if (ioes.size() != 0) {
-        IOException e = MultipleIOException.createIOException(ioes);
-        LOG.error("There were one or more IO errors when checking if the bulk load is ok.", e);
-        throw e;
+        // validation failed because of some sort of IO problem.
+        if (ioException != null) {
+          LOG.error("There was IO error when checking if the bulk load is ok.", ioException);
+          throw ioException;
+        }
       }
-
       // validation failed, bail out before doing anything permanent.
       if (failures.size() != 0) {
         StringBuilder list = new StringBuilder();
diff --git a/hbase-server/src/test/java/org/apache/hadoop/hbase/regionserver/TestBulkLoad.java b/hbase-server/src/test/java/org/apache/hadoop/hbase/regionserver/TestBulkLoad.java
index 599a7a3010c..621888e00da 100644
--- a/hbase-server/src/test/java/org/apache/hadoop/hbase/regionserver/TestBulkLoad.java
+++ b/hbase-server/src/test/java/org/apache/hadoop/hbase/regionserver/TestBulkLoad.java
@@ -93,6 +93,7 @@ public class TestBulkLoad {
   private final byte[] randomBytes = new byte[100];
   private final byte[] family1 = Bytes.toBytes("family1");
   private final byte[] family2 = Bytes.toBytes("family2");
+  private final byte[] family3 = Bytes.toBytes("family3");
 
   @Rule
   public TestName name = new TestName();
@@ -202,6 +203,13 @@ public class TestBulkLoad {
       null);
   }
 
+  // after HBASE-24021 will throw DoNotRetryIOException, not MultipleIOException
+  @Test(expected = DoNotRetryIOException.class)
+  public void shouldCrashIfBulkLoadMultiFamiliesNotInTable() throws IOException {
+    testRegionWithFamilies(family1).bulkLoadHFiles(withFamilyPathsFor(family1, family2, family3),
+      false, null);
+  }
+
   @Test(expected = DoNotRetryIOException.class)
   public void bulkHLogShouldThrowErrorWhenFamilySpecifiedAndHFileExistsButNotInTableDescriptor()
       throws IOException {
@@ -221,6 +229,15 @@ public class TestBulkLoad {
     testRegionWithFamilies(family1).bulkLoadHFiles(list, false, null);
   }
 
+  // after HBASE-24021 will throw FileNotFoundException, not MultipleIOException
+  @Test(expected = FileNotFoundException.class)
+  public void shouldThrowErrorIfMultiHFileDoesNotExist() throws IOException {
+    List<Pair<byte[], String>> list = new ArrayList<>();
+    list.addAll(asList(withMissingHFileForFamily(family1)));
+    list.addAll(asList(withMissingHFileForFamily(family2)));
+    testRegionWithFamilies(family1, family2).bulkLoadHFiles(list, false, null);
+  }
+
   private Pair<byte[], String> withMissingHFileForFamily(byte[] family) {
     return new Pair<>(family, getNotExistFilePath());
   }