Planck-Cluster Tension and the Need for Informational Cosmology: A TGIU Response to the ΛCDM Structure Formation Crisis

Recent discrepancies between cosmic microwave background (CMB) predictions and observed galaxy cluster counts — particularly the "Planck-cluster problem" — signal critical tensions within the ΛCDM cosmological model. This letter proposes that the Universal Gravito-Informational Theory (TGIU), which frames mass, gravity, and spacetime as emergent properties of informational collapse, naturally explains the suppressed structure formation observed in surveys. Specifically, TGIU's multi-phase collapse architecture, including the roles of dark matter, ghost dark matter, and TEF (TGIU Equilibrium Force), provides a predictive and falsifiable alternative to the standard cosmological paradigm.