I know it is not a phone issue since when I removed the microphone, there was no wire coming into it. Yes, there was a microphone already there.

I lowered the headliner by removing the top middle console, removing the sunvisors, removing the 4 screws coming down from the top of the panoramic roof, removing the grab handles and loosening the pillars that go down each side of the windshield.
After doing all of that and looking and feeling around on the top side of the headliner, I still cannot locate a wire and wire connector which is just odd to me but maybe this X5 did not come with one.