[FPS drop like crazy]

So I have this weird issue with the city. I always drop frames like crazy in populated areas but my gpu is barely being used. Is anyone else having issues like this?

I attached pic of my settings and it showing a bad frame drop and low gpu usage.

 

PLEASE HELP!!!

PC specs

i9-9900K not OC at the moment                                                   

32 GB RAM @ 3200                                                                           

RTX 2070 Gigabyte Windforce not OC at the moment                                  

ASUS ROGSTRIX Maximus Xl  MB                                                            

750 WATT EVGA GOLD PSU