Hi,

I usually face 3-1-4-2 opponents with a classical 4-5-1,in order to have 2 players for each flank against 1 .Of course you must have a ST player,with a good quality,struggling against opponent defence,and free-kick specialists could be a further help for you.
Try to place the right players,studying strength and weakness of your opponent

P.S. 4-5-1 is my favourite schema,the second is 5-3-1-1,and then 3-5-1-1, 3-1-5-1, and similar,it depends on the number of ST/AM of my opponent. (4-4-2 only against bot-robot opponents,but I'm not satisfied)