After calling file_creator.create(100) you can search the folder for all File*.txt files and make sure the counter matches. (Make sure your spec has deleted the test files after completion).
Dir.glob(File.join(File.expand_path("~/Desktop"), "File*.txt")).length.should == 100
Using Mocks: you can do something like this to make sure the File.open method File.open actually called (to check if the files are actually created, however, you might want to consider creating files like the first half of my answer).
File.should_receive(:open).exactly(100).times
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