Heat a large skillet over medium heat. Add the ground beef, diced onion, minced garlic, cumin, salt, and pepper. Cook until the beef is browned and the onion is soft. Drain any excess fat.
Pour in the enchilada sauce and stir in the drained pinto beans. Let the mixture simmer for two minutes so the flavors combine.
Add the tortilla strips to the skillet. Gently stir everything together until the strips are coated and begin to soften.
Sprinkle the shredded cheese evenly over the top. Cover the skillet and cook for two to three minutes until the cheese is fully melted.
Remove from heat. Serve right away with fresh cilantro and sour cream on top.