These are pictures where the lacquer is peeling on my MGHS Phev.
That certainly looks like lacquer peel to me alright !.
ALL of layers of the lacquer have become detached in one of the photo's and the base coat is clearly evident.
It is almost like the first coat of lacquer has totally not adhered to the coloured base coat correctly.
It's as if the base coat was contaminated by dust etc.
Really hard to understand why they would regard this a stone chip TBH.
If a stone hit your car hard enough to remove an area of lacquer that size, there would be damage to the base coat and likely to the body panel as well !.
Is this problem contained to one or more body panels of the car ??.
In your situation I would seriously employ the services of a really GOOD paint shop, who is willing to appraise the paint work on your car and then give you a written report of its condition.
I agree with
@Cocijo you need help from a professional painter now.
It is not totally unfortunately uncommon for a brand new car to have received paint prior to delivery to the customer ( I know, I have seen it ).
Some thing else worth considering here, the factory is almost certainly going to be a 24 hour production line and shutting them down mid cycle is not easy or straight forward.
But due to C19 this has been necessary a couple of times over the last few years.
Therefore cars sitting at various stages of build is okay, but it a lot more involved when it comes to cars mid / pre paint slots etc.