I took the advice of Mindy and added some spices to the peppers/onions (I used yellow onion) and used cheddar cheese. Very good but still could use more oomph. Family enjoyed it a great deal - some had flour tortillas but a little hot sauce at service or some sliced jalapeno would help. Maybe pepper jack cheese instead of cheddar? Will make again - super easy.
This recipe has good bones but I think it should be altered to be better. I recommend sautéing the peppers and onions with chili powder and cumin as this recipe calls for zero seasoning. Also I'm not sure why it calls for mozzarella? Jack or cheddar would be a better choice. My teenager still really liked it - I thought it could use improvement though.
really enjoyed this quick weeknight recipe! I subbed in black beans instead of pinto. I also spiced up the sour cream with a bit of lime juice and canned chipotle pepper.