belt specular overlapping my CC

Your top have wrong specular map mask. If you use newest studio (Star) you can use Make Blank for specular to create good white one based on your diffuse (texture) if you do not need any custom one. Alpha layer in shadow map should not be full white, study how they are made by ea - white parts are only where shadow is. If you'll leave it as it is it'll break textures of other clothes like in picture below.