In a large pot over medium-high heat, heat olive oil. Sauté onion for 3–5 minutes.
Increase heat to high. Add garlic, enchilada sauce, undrained tomatoes, undrained chili beans, drained & rinsed black beans, corn, and chicken stock. As the soup comes to a boil, stir in paprika, cumin, chili powder, 1 teaspoon salt, and ¼ teaspoon pepper. Mix well.
Microwave cream cheese until very soft, about 1 minute. When the soup boils, briskly whisk in the cream cheese until smooth. Remove from heat and switch to a wooden spoon. Stir in Cheddar, a handful at a time, until melted. Add the shredded chicken and stir until heated through.
Ladle into bowls and top with tortilla strips, sour cream, avocado, lime, or fresh cilantro.
