I bought my iPhone 11 in November 2019 and I noticed the same issue. I started reading a lot of threads at forums, watching YT videos etc.
And my conclusion is - unfortunately - everything is OK. I came back to my iPhone SE photo archive (I sold SE immediately after buying my new phone so now I can't make any live comparison) and I noticed the same ghosting and reflections; I didn't notice them earlier!
What's interesting, even at official Apple YT channel you can see an ad showing the ghosting problem (in case of iPhone XS). You can watch it below.
(EDIT: I can't post links so just go to Apple YT channel and watch: 'Florence + the Machine On Tour — Shot on iPhone XS — Apple').
During my "investigation" I discovered ghosting and flare problem is typical for all generations of iPhones starting (at least) from iPhone 5s. So why people started to complain now? It's simple - it's psychology. iPhone 11 is shown as a photographical phone so when you buy it you start to focus on its photos quality more attentively than you did it as an owner of previous generation of iPhone.
If someone says Apple fixed his iPhone 11's lens, he or she lies; it's impossible. And let's be frank - tech reviewers perfectly know the problem. They just don't show it and (in general) don't talk about it because of... guess what ;)
What can be reassuring - almost all the top smartphones have the same issue; Samsung and Huawei devices too. What's more, I'm sure even Tim's Cook iPhone 11 Pro has the same issue :D