This is surprisingly true. I've purchased at least 4 disc bikes from new that needed adjusting after I got the bike home;one didn't even have the front caliper mounted straight!

windhchaser: what bike/disc system? Lower end brakes with only an inner pad adjust can be more difficult to set up properly,and as a result can be noisier. Mismatching the rotor to pad material can also cause noise,but if your bike is stock this shouldn't be the case. And define 'squeak'. Does it make a 'zhing-zhing-zhing' sound when the wheel turns,or a squeal when applying the brake? Manny systems are noisy when they get wet(dirty) but quiet down after the brakes are applied firmly.