I had this problem not too long ago. First off, where are you getting your information from? Is it a third party, or your BIOS? Also, you have to keep in mind that you have to take those measurements with a grain of salt. Some times, they are fully off. I had a mobo not too long ago that was reading ~90-110c idling! That would almost melt the board at that temperature.
Knowing that was just WAY to high, I threw caution into the wind, and guess what? The system ran fine, even played WoW and a few other games on it. My point in all this is try, if you can, to get a piece of hardware to tell you current temperature. I.E., a meat thermometer, an actual CPU thermometer [With a lead that attaches to a fin on the heatsink, attach it as close as possible to the base of it], or maybe even one of those temperature readers that come with that laser, not sure what those are called. [You point it at the object to be measured, and it'll tell you from up to, like, 100' away].
If that proves that the BIOS/third party software is correct, then, sadly, it may be time to look into either upgrading your CPU/mobo if it's running too hot, or more commonly, replace/examine the heatsink.
Check your mount for your CPU heatsink... is it loose? Does it take a fair amount of effort to move it? If it's loose such as you can pull the heatsink away from the CPU at ALL, it's the heatsink 'mating' with the CPU, it needs to be firmly on it when coupled. If the paste is not connecting the base of the heat sink, and with the metal plate on the CPU, then the heat is not conducting properly, and is being spent somewhere in-between the heatsink and the CPU, not a good thing.
With my old PC, I found just using cable ties was a cheap, efficient way to keep my CPU cool. [I somehow managed to damage the heatsink mount, one entire side was not connecting. x.x;;;] If you find that the mount is fully secure to the CPU mount/CPU, then, it's best to assume that, if the fan is moving at a good speed, and it's clean, then the heatsink/fan is a PoS, and needs replacing.
I hope this helps,
-Haz