I have contacted Apple and they are replacing my iPhone 12 Pro after I sent them sample photos of the ghosting/reflections in the images. A $300 point and shoot digital camera produces lens flare, as does a $10,000 professional DSLR kit--but neither will produce the ghosting/reflecting I and others are seeing with photos taken with these faulty Apple lenses. The problem Apple has with the iPhone lens is NOT lens flare, it's ghosting/reflecting.
I did a camera test with my iPhone X and I had nice lens flares--as was to be expected--but again I didn't see any ghosting/reflections like I am seeing with the 12 Pro. If the replacement phone has the same issue, I'm going to get a refund. There is nothing "Pro" about using a camera that doesn't work as advertised.
[Edited by Moderator]