There is not at this point any way you can say "evolution is 100% fact" because that's not how science works. We both agree on this, no?
Obviously no one was there to confirm the exact moment at which life was conceived, and the only "accounts" are of religious accord. Ask a Christian and he or she will tell you "our God made Adam and Eve" and anything else is a contradiction to their beliefs, and to the more conservative bunch, anything that contradicts what they're taught in their churches is abominable.
But evolution most certainly stands up to scrutiny. If it didn't, we wouldn't be having this discussion. As far as life's origin goes, the most popular theory to date is "abiogenesis" which states, and under experimentation in controlled conditions is supported with physical evidence, that certain chemicals in certain conditions with electricity can create amino acids, the very building blocks of life. From this stemmed the evolution of single-cell bacteria. Now we have actual life. Every time a cell is divided, the chromosomes are copied. The parent cell make any repairs to faulted chromosomes as best as it can, usually perfectly, and away the daughter cells go. These occasional faults in the replications of chromosomes lead to physical changes like hair colour, eye colour, skin colour and over time, yes, evolution.
(You can read more about mitosis and DNA structure here. Shouldn't be a hard read, if you have the time for it. Harvard's is actually the shortest:
Not necessary to read, but you can. Most of it is stuff you should already know from grade school)
Controlled conditions don't work in favour of "happenstance" and evolution is a long process that can't be observed (where fossil records, carbon dating, etc. come into play), which is what makes this theory far from airtight, but it currently has much more evidence to back it up than what any one religious book says. To simply say "well that's not 100% verified, therefore it's dismissible" is asinine. It's called the "theory of evolution" for a reason.
In an objective reality with subjective reasoning, it's my belief that abiogenesis is the most likely answer to how life came into being on our planet, and evolution gave rise to the vast array of life forms, even though it is at odds with my religious beliefs.