Thanks Meg. I really appreciate your patience and help. I've tried to read all the posts here as well as research the help area and I am probably missing something but it doesn't appear that a regular member can change their actual user name. When I go to the Account Settings, the name is changeable but the User Name does not appear to be editable by a regular (non-admin) member. Also from the Help information, this is what I found related to this:
Modify Profile
Account Settings
Members may modify basic account settings by default. These settings control the member's access to their account, as well as when and how they are visible to other members browsing the forum. The following options are available to be modified:
Name - While the username cannot usually be changed, a member may change their display name at any time. Other members browsing the forum will see display names instead of usernames in most places.
I am probably missing something but for the life of me I can't figure out how I can change the actual Username.