I still get ma'am on the phone a lot, which I hate.
But speaking about utilities: I hadn't had any in my name since well before transition. But when I went to hook up the electric, they ask for SS#. Of course, that's in the system as "old name." Rather than come out to some anonymous person on the phone (and I really do NOT want "old name" associated with my new location/life, I just kind of grumbled and said my ex-wife used my SS# grumble grumble and she said it was against the law so make sure she didn't ever use it again. To which I replied she wouldn't ever be using it again, LOL
At least the electric is in my name.
I know when I asked the phone company to change my name, they did, but "old name" still appeared on most correspondence and solicitations from them, which is why when I started over in a new location I had nothing of "old name" forwarded. Clean slate.