diff --git a/dissect/target/loaders/dir.py b/dissect/target/loaders/dir.py
index a86a540b0..22a55e549 100644
--- a/dissect/target/loaders/dir.py
+++ b/dissect/target/loaders/dir.py
@@ -1,9 +1,11 @@
 from __future__ import annotations
 
 import zipfile
+from collections import defaultdict
 from pathlib import Path
 from typing import TYPE_CHECKING
 
+from dissect.target.filesystem import LayerFilesystem
 from dissect.target.filesystems.dir import DirectoryFilesystem
 from dissect.target.filesystems.zip import ZipFilesystem
 from dissect.target.helpers import loaderutil
@@ -48,6 +50,7 @@ def map_dirs(target: Target, dirs: list[Path | tuple[str, Path]], os_type: str,
         alt_separator = "\\"
         case_sensitive = False
 
+    drive_letter_map = defaultdict(list)
     for path in dirs:
         drive_letter = None
         if isinstance(path, tuple):
@@ -59,13 +62,28 @@ def map_dirs(target: Target, dirs: list[Path | tuple[str, Path]], os_type: str,
             dfs = ZipFilesystem(path.root.fp, path.at, alt_separator=alt_separator, case_sensitive=case_sensitive)
         else:
             dfs = DirectoryFilesystem(path, alt_separator=alt_separator, case_sensitive=case_sensitive)
-        target.filesystems.add(dfs)
 
-        if os_type == OperatingSystem.WINDOWS:
-            loaderutil.add_virtual_ntfs_filesystem(target, dfs, **kwargs)
+        drive_letter_map[drive_letter].append(dfs)
+
+    fs_to_add = []
+    for drive_letter, dfs in drive_letter_map.items():
+        if drive_letter is not None:
+            if len(dfs) > 1:
+                vfs = LayerFilesystem()
+                for fs in dfs:
+                    vfs.append_fs_layer(fs)
+            else:
+                vfs = dfs[0]
 
-            if drive_letter is not None:
-                target.fs.mount(drive_letter.lower() + ":", dfs)
+            fs_to_add.append(vfs)
+            target.fs.mount(drive_letter.lower() + ":", vfs)
+        else:
+            fs_to_add.extend(dfs)
+
+    for fs in fs_to_add:
+        target.filesystems.add(fs)
+        if os_type == OperatingSystem.WINDOWS:
+            loaderutil.add_virtual_ntfs_filesystem(target, fs, **kwargs)
 
 
 def find_and_map_dirs(target: Target, path: Path, **kwargs) -> None:
diff --git a/dissect/target/loaders/velociraptor.py b/dissect/target/loaders/velociraptor.py
index c570337f6..68737cf7f 100644
--- a/dissect/target/loaders/velociraptor.py
+++ b/dissect/target/loaders/velociraptor.py
@@ -61,6 +61,10 @@ def extract_drive_letter(name: str) -> Optional[str]:
     if len(name) == 14 and name.startswith("%5C%5C.%5C") and name.endswith("%3A"):
         return name[10].lower()
 
+    # X: in URL encoding
+    if len(name) == 4 and name.endswith("%3A"):
+        return name[0].lower()
+
 
 class VelociraptorLoader(DirLoader):
     """Load Rapid7 Velociraptor forensic image files.
@@ -71,10 +75,7 @@ class VelociraptorLoader(DirLoader):
         {"Generic.Collectors.File":{"Root":"/","collectionSpec":"Glob\\netc/**\\nvar/log/**"}}
 
     Generic.Collectors.File (Windows) and Windows.KapeFiles.Targets (Windows) uses the accessors mft, ntfs, lazy_ntfs,
-    ntfs_vss and auto. The loader only supports a collection where a single accessor is used, which can be forced by
-    using the following configuration::
-
-        {"Windows.KapeFiles.Targets":{"VSSAnalysisAge":"1000","_SANS_Triage":"Y"}}
+    ntfs_vss and auto. The loader supports a collection where multiple accessors were used.
 
     References:
         - https://www.rapid7.com/products/velociraptor/
diff --git a/tests/loaders/test_velociraptor.py b/tests/loaders/test_velociraptor.py
index bf2318401..3b1291e19 100644
--- a/tests/loaders/test_velociraptor.py
+++ b/tests/loaders/test_velociraptor.py
@@ -43,11 +43,19 @@ def create_root(sub_dir: str, tmp_path: Path) -> Path:
 
 
 @pytest.mark.parametrize(
-    "sub_dir",
-    ["mft", "ntfs", "ntfs_vss", "lazy_ntfs", "auto"],
+    "sub_dir, other_dir",
+    [
+        ("mft", "auto"),
+        ("ntfs", "auto"),
+        ("ntfs_vss", "auto"),
+        ("lazy_ntfs", "auto"),
+        ("auto", "ntfs"),
+    ],
 )
-def test_velociraptor_loader_windows_ntfs(sub_dir: str, target_bare: Target, tmp_path: Path) -> None:
+def test_windows_ntfs(sub_dir: str, other_dir: str, target_bare: Target, tmp_path: Path) -> None:
     root = create_root(sub_dir, tmp_path)
+    root.joinpath(f"uploads/{other_dir}/C%3A").mkdir(parents=True, exist_ok=True)
+    root.joinpath(f"uploads/{other_dir}/C%3A/other.txt").write_text("my first file")
 
     assert VelociraptorLoader.detect(root) is True
 
@@ -65,13 +73,14 @@ def test_velociraptor_loader_windows_ntfs(sub_dir: str, target_bare: Target, tmp
     assert usnjrnl_records == 2
     assert len(target_bare.filesystems) == 4
     assert target_bare.fs.path("sysvol/C-DRIVE.txt").exists()
+    assert target_bare.fs.path("sysvol/other.txt").read_text() == "my first file"
 
 
 @pytest.mark.parametrize(
     "sub_dir",
     ["mft", "ntfs", "ntfs_vss", "lazy_ntfs", "auto"],
 )
-def test_velociraptor_loader_windows_ntfs_zip(sub_dir: str, target_bare: Target, tmp_path: Path) -> None:
+def test_windows_ntfs_zip(sub_dir: str, target_bare: Target, tmp_path: Path) -> None:
     create_root(sub_dir, tmp_path)
 
     shutil.make_archive(tmp_path.joinpath("test_ntfs"), "zip", tmp_path)
@@ -106,7 +115,7 @@ def test_velociraptor_loader_windows_ntfs_zip(sub_dir: str, target_bare: Target,
         (["uploads/auto/Library", "uploads/auto/Applications"]),
     ],
 )
-def test_dir_loader_unix(paths: list[str], target_bare: Target, tmp_path: Path) -> None:
+def test_unix(paths: list[str], target_bare: Target, tmp_path: Path) -> None:
     root = tmp_path
     mkdirs(root, paths)
 
@@ -131,7 +140,7 @@ def test_dir_loader_unix(paths: list[str], target_bare: Target, tmp_path: Path)
         (["uploads/auto/Library", "uploads/auto/Applications"]),
     ],
 )
-def test_dir_loader_unix_zip(paths: list[str], target_bare: Target, tmp_path: Path) -> None:
+def test_unix_zip(paths: list[str], target_bare: Target, tmp_path: Path) -> None:
     root = tmp_path
     mkdirs(root, paths)