Here’s a fairly trivial example. Let $X=[0,1]\times\{0,1\}$, where $[0,1]$ has its usual topology, and $\{0,1\}$ is discrete; $X$ is certainly $T_4$ (normal and $T_1$). Define an equivalence relation $\sim$ on $X$ by setting $\langle x,i\rangle\sim\langle y,j\rangle$ iff $x=y$ and either $i=j$, or $x=0$, and let $Y=X/\!\sim$. (In other words, we’re simply identifying $\langle x,0\rangle$ and $\langle x,1\rangle$ for each $x\in(0,1]$.) Then $Y$ is $T_1$, but $\{\langle 0,0\rangle\}$ and $\{\langle 0,1\rangle\}$ are disjoint closed sets that cannot be separated by disjoint open sets.
Added: And here is a Hausdorff example. Let $\Bbb P=\Bbb R\setminus\Bbb Q$, and let
$$X=\big(\Bbb Q\times(\Bbb R\setminus\{0\}\big)\cup\big(\Bbb P\times\{0\}\big)$$
with the usual topology $\tau_X$; clearly $X$ is metrizable and hence $T_4$. Let $Y=\Bbb R$ and
$$\pi:X\to Y:\langle x,y\rangle\mapsto x\,,$$
and let $\tau_Y$ be the topology on $Y$ that makes $\pi$ a quotient map:
$$\tau_Y=\left\{U\subseteq Y:\pi^{-1}[U]\in\tau_X\right\}\,.$$
Let $\tau$ be the usual topology on $\Bbb R$; clearly $\tau\subseteq\tau_Y$, so $\tau_Y$ is Hausdorff. Moreover, if $U\in\tau$, then
$$\pi^{-1}[U\cap\Bbb Q]=\big(U\times(\Bbb R\setminus\{0\})\big)\cap X\in\tau_X\,,$$
so $\{U\cap\Bbb Q:U\in\tau\}\subseteq\tau_Y$, and it’s not hard to see that in fact
$$\tau_Y=\tau\cup\{U\cap\Bbb Q:U\in\tau\}\,.$$
Clearly $\Bbb Q$ is open in $Y$, so $\Bbb P$ is closed in $Y$. Let $y\in\Bbb Q$, and let $U$ be any open nbhd of $y$ in $Y$; there are $u,v\in Y$ such that $y\in(u,v)\cap\Bbb Q\subseteq U$. Let $x\in(u,v)\cap\Bbb P$; then every open nbhd of $x$ in $Y$ meets $U$, so $\Bbb P\cap\operatorname{cl}_YU\ne\varnothing$, and $Y$ is not regular.