No, it's not true. Your body doesn't create creatine...creatine is present in animal flesh of various sorts and your body utilizes it as best it can through digestion. If there was a physiological effect that dampered our own use of it then we'd be seeing long term devastation of people's health already.
The only thing I've found that is required of a creatine user is to be sure and drink at least half a gallon of pure water every day. You have to keep hydrated, there is no doubt about that.
Your decision will be whether or not to cycle it. I get good results regardless of whether I cycle it. Experiment.
Some people say it's better to take your creatine with grape juice, that the glycemic value helps in the uptake. I do this just in case as well.
But no, I cannot think of a single reason why creatine use would cause a physiological problem if you follow the directions on the label.