I think you have polymorphous light eruption. This condition, known also as PMLE, may be hereditary, is a form of sun allergy to UVA, the long waves of ultraviolet light not totally blocked by sunscreen, no matter how high the SPF. (SPF refers to UVB, the burning rays.) Using a sunscreen that protects against UVA (there are many brands) may help a bit. This reaction has nothing to do with sun damage or skin cancer.
I suggest you see a dermatologist for proper diagnosis and treatment. Please feel free to share my hunch with him or her.
Take care.
Dr. Rockoff