Hop creep is the re-fermentation process you are referring to. Enzymes in the hops work on the residual sugars in the beer making them fermentable by yeast.
You can (almost certainly will) get hop creep if you dry hop during active fermentation, however, you won't get any of the nastier side effects (e.g. diacetyl) as you still need to complete fermentation, diacetyl rest, etc. You'll just end up with a beer that finishes a few SG points lower (i.e. higher attenuation).
Less of a concern for smaller dry hop rates, but when dealing with the sort of dry hopping rates you see in NEIPAs it can lead to a final beer that is too dry.
Some brewers overcome this by accepting hop creep will occur and mash at a higher temperature to compensate. Others dry hop at a cooler temperature to try and prevent it happening.