In rare occasions naked necks can have what they call a scaleless gene, completely bald. And some have made sweaters for them lol.
https://www.backyardchickens.com/posts/16058516
Doesn't look any thing sort of a naked neck or cross with one anyway.
I'd ask if she's had any frizzles or frazzles. There's something genetically with them, frazzle to frazzle breeding that can give you a bird that looks like it's suffering from severe molt, permanently. I don't see any...