But are you running any mods or unofficial patches? Most likely there is at least one that you didn't think would impact this, but it does.

I have had a problem with naked couriers ever since i started playing the game almost a year ago. You can imagine my reaction the first time i had noticed a man wearing only his underwear running me down on the street..
But, i have never seen naked kids.. very strange bug.

All the kids are naked in my game to tho what is most odd is the naked child ghost from that one quest. Yeah you know the one lol.