Fps drops/stutter

Since 3 months ago I have the problem that when I drive through something my fps drops with 1 or 2fps… with my brothers account on the same system same settings it doesn’t happen… does anyone know how to fix this…

Specs PC
Ryzen 5 3600
ram 32gb 3200mhz
GPU: MSI RTX 3060 12GB Gaming x
M2ssd up to 3.5gbps write and 4gbps read