Preheat your oven to 375°F (190°C).
Heat olive oil in a large skillet over medium heat.
Add the ground beef and cook for 5–6 minutes, breaking it apart as it browns.
Drain excess grease if needed.
Stir in the diced onion and garlic, cooking for another 2 minutes.
Add chili powder, cumin, salt, and black pepper. Stir to combine.
Spread a thin layer of enchilada sauce in the bottom of a 9x13-inch baking dish.
Spoon some of the beef mixture onto each tortilla, sprinkle with cheese, and roll them up.
Place the rolled enchiladas seam-side down in the baking dish.
Pour the remaining enchilada sauce over the top.
Sprinkle the rest of the cheese evenly over the enchiladas.
Cover with foil and bake for 20 minutes.
Remove the foil and bake for another 5 minutes until the cheese is bubbly.
Let the enchiladas cool for a few minutes before serving.
Garnish with sour cream, cilantro, or diced tomatoes if desired.