Every place you thread a screw into a carbon frame, they bonded an aluminum insert in. It looks like the carbon surrounding the insert has cracked and the insert is pulling out of the frame. That is, it's not just a crack in the paint or clear coat.
While we're on the subject of damage in general, you need a torque wrench. However, I'm not saying you over-torqued the bolt. This looks more like the rack pulling the insert out, and it isn't really the sort of damage I'd expect a well-manufactured frame to have. I would seek a warranty replacement if available.
If not, you could seek a carbon repair expert's opinion. They'll probably render one for free anyway, so you could start there.
If not economically repairable, ask the repairer if you could ride the frame without the rack and monitor if the crack propagates. The crack may not extend to the load-bearing part of the structure, and it might not propagate into that area. I'd obviously not be happy with this, and you will be without the rack that you obviously wanted. Also, you would do this at your own risk. That said, if your seatstay cracks, you can still ride the bike home. If that were your fork and it cracked, that would be instant loss of control.