From reading your last post id say that its not infact the factory paint?????
Poor paint adhesion can be caused by numerous things such as not etch priming the bare steel before priming or poor preparation during the stages of applying the paint. You see alot of cars getting around with flakey clear which can also be caused by leaving it to long before applying the clear over the base coat,or combining two paks and acrylic paints ie two pak clear over acrylic base coat or vice versa.
Ive seen BIG dollar paint jobs peel of cars as you have described yours doing as the bare steel wasnt cleaned or etch primed before the primer and top coat was applied.