Why can't Windows 10 save changed old files?

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Windows Central Question

Windows 10 cannot save changed old files

Windows 10 installed successfully with latest auto downloaded update patches. During upgrade installation, Windows 10 requested to sign-in with a new user name/email address and the password. The old user name and password in Windows 7 are gone. When first edit an Excel worksheet, Windows 10 does not allow to save old file in C: and ask administrator to help. Both old and new users are already in administrator mode, only user names are different. Even tried to save as a different file name Windows 10 still does not allow to do so. Please help what to do now.