TBH this sounds like it could be entirely unrelated to creatine. It just sounds like you have shedding and thinning without Minoxidil and Finasteride, and it stops when you start taking them again.

> At one point I stopped Mino and Fin, but kept the creatine and the shedding increased rapidly.

I think it's a common for shedding to accelerate after stopping Minoxidil.