This is a little more infuriating than “mildly infuriating” but I can’t think of a better place to post it
Edit: I’d like to clarify that I live in East Tennessee, not an area like Florida! I do appreciate the hints that it might be clearcoat goblins though, and I’ve left a saucer of milk and cheese out to ward them away
Unless you saw a person do this, I would assume that the stranger is the sun.
Sun damages the clear coat, causing it to bubble. The bubbles continue to expand and then crack. When you drive, the turbulence from wind force pulls the flaky clear off.