It does look like the clearcoat is separating. Trouble I am having is that it happened so fast seemingly without a contributing event. It doesn't look like anything you can polish out but I would try that first. If that doesn't work it doesn't matter what the cause is--it will have to be striped and repainted. Before repainting go to shop that can measure the paint. If it has been repainted the paint will be thicker than the original paint.

__________________
X5 4.6 2002 Black Sap, Black interior. 2013 X5M Melbourne Red, Bamboo interior
Dallas