Preheat your oven to 375°F. Grease a 9x13 casserole dish with cooking spray or butter and set aside.

Heat a large skillet over medium heat. Add the diced onion, green bell pepper, and red bell pepper. Saute for 5 to 7 minutes, stirring occasionally, until vegetables are softened and onion is translucent.

Add the ground beef to the skillet. Break it apart with a spatula and cook for 8 to 10 minutes until fully browned with no pink remaining. Drain all excess grease carefully before proceeding.

Reduce heat to low. Stir in the softened cream cheese, garlic powder, salt, and black pepper. Cook for 2 to 3 minutes, stirring constantly, until cream cheese is fully melted and the mixture is creamy and smooth.

Spread the beef and vegetable mixture evenly into the prepared casserole dish. Press into a flat, even layer with a spatula.

Whisk the 3 eggs in a separate bowl until fully combined. Pour evenly over the beef mixture in the casserole dish.

Sprinkle the shredded provolone and mozzarella cheeses evenly across the entire top of the casserole.

Bake uncovered at 375°F for 25 minutes until the cheese is golden and edges are bubbling. Remove from oven and rest for 5 minutes before slicing and serving.