I've heard of other owners with this problem. It sounds like the clear coat has "failed". Talk to BMW to see if there is a hidden warranty covering this. Is your problem happening anywhere else?
I had a 1988 Chev. Blazer that was repainted in 1994 at Chevy's expense after I inquired at the local dealership.
2004 E60 530is, Delivered 12/12/03, TiSilver/LGrey, PP, SP,PS, PDC, ACC, FRS, Step, Xenons, clear bra, body colored rear inserts. (Retired, 1983 henna red 320is)
2004 Corvette Z06 Commemorative Edition