Could be a regular XX chromosome female after heavy body building and use of steroids, or maybe, someone who suffers an XX male syndrome!!

With XX male syndrome, the person has female chromosomes but male physical features. The majority of persons with XX male syndrome have the Y chromosome gene SRY attached to one of their X chromosomes. SRY is the main genetic switch for determining that a developing embryo will become male. The rest of the individuals with XX male syndrome do not have SRY detectable in their cells. Hence, others genes on other chromosomes in the pathway for determining sex must be responsible for their male physical features.

http://www.bookrags.com/research/xx-male-syndrome-wog/