Are you sure you did this in file options?
File options can't be used to define a password or account. It only sets account names and passwords to be entered automatically when the file opens so the user is no longer required to enter them.
You can force filemaker to ignore these settings by holding down the Shift key (windows) or Option key ( mac ) while the file opens. Then enter a valid account name and password and you should be able to open the file.
I'm back in...thanks PhilModJunk. When I opened the file while holding down the shift key, I was able to get in by entering Admin along with no password.