Heat the vegetable oil in a medium saucepan over medium heat until hot, about 1 minute.
Add the onion and Essence and chili powder and cook, stirring, until soft, about 5 minutes.
Stir in the tomato and garlic and cook, stirring, for another 2 minutes.
Reduce the heat to medium-low and add the cheeses and chiles. Cook, stirring constantly, until the cheese melts, about 2 minutes.
Stir in the sour cream, cilantro, white pepper, and salt. Add more Essence to taste if desired. Serve immediately with tortilla chips.
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