Kendall Jenner -- Take That Lady Godiva!!!

Kendall Jenner just attempted to up the Kardashian's game by posting a nude shot -- but turns out she's guilty of social media horseplay.

Kendall put up the equestrian themed pic with no caption, and more importantly ... no credit ... because that ain't her on the horse! Of course.

It's a French model named Elisa Meliani (@elisajazz on iG) ... who originally posted herself and her fav steed last year. Elisa isn't pissed about Kendall jacking her photo though.

We can hear TheFatJewish now -- Why does she get a pass?