FPS HITCHING & CEILING WHEN IN DENSE AREAS

As title says, FPS is always at my 75 cap when in lighter areas, with minor drops as things render in.

However, when I get to POIs both with and without AI, my frames drop to around 55-60 and does not recover to 75 unless I look at a wall, or away from dense areas. The strange part, changing my graphics setting did not help with this. I tested settings from DLSS Balanced all the way to CMAA with 8x and high anisotropic and both hovered around the same 55-60 range in these dense areas. Changing things from textures, shadows and render distance all did not fix this, it only made the game run more consistently when in all areas (Little to no hitching when things load in). So far game runs well but the consistent drop in populated areas feels like a CPU thing

SPECS:

CPU - Intel i7 11700f
GPU - RTX 3070
RAM - 32gb DDR4 3600MHZ
STORAGE - Samsung 870 EVO SATA 500gb 
DISPLAY - 2560x1440 
MOBO - MSI MAG B560 TOMOHAWK WIFI