Preheat the oven to 350°F (175°C).
In a large pot, cook the pasta according to package instructions until al dente. Drain and set aside.
In a large skillet, heat the olive oil over medium heat. Add the diced onion and minced garlic. Sauté until the onion is translucent, about 3-4 minutes.
Add the ground beef or turkey to the skillet. Cook until browned and cooked through, breaking it apart with a wooden spoon, about 6-8 minutes. Drain excess fat if necessary.
Stir in the black beans, enchilada sauce, heavy cream, chili powder, cumin, salt, and pepper. Mix well and let the mixture simmer for about 5 minutes.
Combine the cooked pasta with the sauce mixture. Stir to ensure all the pasta is coated in the sauce.
Transfer the pasta mixture to a baking dish. Top with shredded cheddar and Monterey Jack cheese.
Bake in the preheated oven for 20 minutes or until the cheese is melted and bubbly.
Remove from the oven and let it cool for a few minutes before serving.
Garnish with fresh cilantro, sliced jalapeños, and a dollop of sour cream, if desired.