Can't activate unlocked iPhone 5.. Please Help.

Hello.
I got a supposed to be "FACTORY UNLOCKED" iPhone 5 from the Apple Store yesterday I bought it for full price $649 plus tax, no commitment, no monthly payment, only the phone, but today when I want to use the phone and go into the setup process it asks me to insert a SIM Card into it in order to activate.. This is what the iPhone tells me "Activation Failed" "Please insert a SIM card" I can't even get into the Springboard so I have an expensive $650 bucks rock with me right now..
That means that the phone it's not unlocked at all? iPhone model is A1428.
Thank you very much.

Were you given a SIM card?  Do you have one somewhere?
Here are the installation directions from the iPhone User Manual:

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