Certainly sounds like you've got a mod installed; in fact, it sounds like a problem you might encounter were you using some of my own work -- have you ever used mods in this save?
if you set standard outfit to none and just put the clothing in invetory they will start naked, some folower mod solves this, think it's fixable with an script who remove all clothing and then add it, something like this.
oninit()
removeallitem(dummychest)
dummychest.removeallitem(self)
endevent