Stir in the minced garlic and diced bell pepper, cooking for an additional 2-3 minutes until softened.
Add the diced tomatoes, vegetable broth, cumin, smoked paprika, chili powder, salt, and pepper. Bring to a boil, then reduce heat and let simmer for 15 minutes.
Stir in the chopped roasted poblano peppers and continue to simmer for another 10 minutes.
Remove from heat and stir in the shredded Monterey Jack cheese and sour cream until melted and well combined.
Serve hot, garnished with fresh cilantro.
Notes
For a spicier version, add diced jalapeños or a pinch of cayenne pepper.
To make it a heartier meal, serve the soup over cooked rice or quinoa.